What are the two layers of Cardano?

Cardano blockchain is currently being developed into two layers. The first one is the ledger of account values and the second one is the reason why values are transferred from one account to the other.

1. Cardano Settlement Layer (CSL) - The CSL acts as the ledger of account or balance ledger. This is an idea created as an improvement of bitcoin blockchain. It uses a proof-of-stake consensus algorithm to generate new blocks and confirm transactions.
2. Cardano Computation Layer (CCL) - The CCL contains the data how values are transferred. Since the computation layer is not connected from balance ledger, users of the CCL can create customized rules when evaluating transactions.

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