Smart Money
Mark Pesce

Great article, and some good examples, but for one point Cheques and Cards are not money, like coins and bills, they still just represent potential transactions with either side able to back out due to lack of funds, etc.

NPP in Aus will be a step forward, as that will be irrevocable transfer of funds, which we will be able invoke with smartphone or API, like Faster Payments in the U.K.

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