I̶f̶ ̶c̶e̶n̶t̶r̶a̶l̶ ̶b̶a̶n̶k̶s̶ ̶a̶r̶e̶ ̶g̶o̶i̶n̶g̶ ̶t̶o̶ ̶a̶d̶o̶p̶t̶ ̶g̶o̶v̶e̶r̶n̶m̶e̶n̶t̶-̶f̶u̶n̶d̶e̶d̶ ̶e̶c̶a̶s̶h̶ ̶t̶e̶c̶h̶n̶o̶l̶o̶g̶y̶, there needs to be a free and open source alternative for the private financial sector.