Financial transactions and money in general are supposed to be neutral. They should move when two parties agree on an exchange. But in today’s global economy, payments are nothing close to neutral; instead, they are monitored and controlled by a few groups of organisations. These organisations, such as banks, card networks, and processors, often decide who gets paid, how quickly they get paid, and whether they even get paid at all. In short, these middlemen decide who is allowed to participate in commerce in general. For small businesses, creators, or platforms in sensitive categories, you’ll agree with me that this is not a theory; it is a lived reality, and at some point, some of you may have experienced it through frozen accounts, reversed settlements, and even sudden off boarding. However, tracing our reality back to history, you’ll realise that the world has consistently moved in an evolutionary pattern. That is, problems exist for a while, and as years pass, some gifted or creati...