Today cryptocurrency solutions have surpassed the financial instruments of the institutions effectively replacing them. However, the blockchain world is still catastrophically limited for penetration into real markets.

However, cryptocurrencies remain a development understood by a limited few - mainly technical geeks and subsequently the financial benefit of cryptocurrency has remained in the hands of these amateur traders and has not been able to win the status of a real payment instrument.

The modern world is crying out for a technological response to the growing demands of those at the center of contemporary life (predominantly Millennials and Generation Z) to build relationships with each other in horizontal P2P communications.