I've been working on an open source decentralized offchain banking project, which is basically a complete decentralized peer to peer version of open transactions voting pool allowing allowing for off chain transactions by using a variant of bitcoinj's micro payments channels multisignature scheme (although this might change).
this paper is still a very rough draft for me, just wanted to get it out there and get some general feedback on my approach.
the white paper rough draft is located here
https://github.com/DecentralBank/whitepaper.
We have also been working on a colored coins chrome extension wallet. It's still in pre alpha version for now but we will transition to alpha next weekend, since the wallet can work independently from the decentral network we will release it first.
https://i.imgur.com/TIAwpYj.pnghttps://i.imgur.com/mxzVrre.pngthe website is decentralbank.com.