Quicken is all about standard household and firm accounting, set up and ready to go. Let us call it an application in the smart contracts layer.
Quicken will need its own tokenization service, and a spending contract with the secure elements. In return for the thumb printed spending agreement, the secure element can auto trade on at the Quicken bank, hold saving sand loans like a credit union.
The contract is simple. Quicken supplies a typical spending distribution to match your profile. This is the set of -iLog(i) in your cupboard. Make that distribution mostly follow the Quicken standard, and your credit with Quicken is solid, rates are low. Your thumb print has agreed to report any violations outside of amber, you get a 35% bound centered on amber. If you break it repeatedly, your tokens won't work. The Quicken app can farm out the loans and deposits to the accept &L sitres on a percoin basis, or run them itself. But, they have narrowed the price uncertainty bounds, their S&L generator will be more accurate, and rates low. This stability means Quicken members high higher ratings and are less risk for home loans.
The best part? It is all automatic. Te secure elements have a few simple macros to handle compressed distributions, so they always get the red/green scale right. It is a smart agreement because it involves a conspiracy with the secure elements. A good conspiracy,the sandbox is built to do this.