Not sure what you mean or expect, but pretending - I mean assuming - that is a question in good faith, then for EVMs, I would start with Erigon
In a centralized system you cannot even ask this question. If someone said Banks implementation of SWIFT sucks, show me a better implementation what do you think the end result would be?
More of a statement on how cryptocurrency projects like to make a lot of promises and how their followers eat it up without having the necessary expertise to evaluate the claims. See e.g. "one more year" on proof-of-stake for ethereum for...how many years now?