"Hey Farmer Joe, why don't you just install this app on your phone and sign up for this site, also you're going to get some keys generated, make sure you keep one of these super secret, also you're going to have to report it to the IRS (they're getting another 87,000 agents trained up to come after you if you don't), and if you lose your key you lose all your money, but hey, you can cut out the 3% processing fee!"