This is a great description of our current banking and payments infrastructure. Most people don't understand it now and most people won't understand it in 10 years, regardless of what kind of overhaul is implemented.


Hint: If you were right, you wouldn't need to beg people to listen to you.


It's been running successfully for several years now and is approaching 20 million successful ledger closes. When are all of the scary bad things going to happen? Do you know who Harold Camping is?
https://www.ripplecharts.com/#/