I meant P2P. I use those terms inter-operably when perhaps I shouldn't. The relevant factor for me is that payment occurs directly between relevant parties and settles at or very near the same time and this all occurs on a protocol that is semi decentralised.

There aren't too many industries we couldn't attack with this highly resilient model.

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definitely it is a game changer and the rest of the internet will not figure this out for at least another year... so.. ONWARD!