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@  Philip Andreae - "how and who has the ability to create money " - it's pretty much the same as the Fed creates money out of thin air and charges everyone on it.

Money is a matter of "trust" for exchange  (see  Tally stick).

I think the current financial system's owners got scared that they do not own the financial scheme (lie) anymore and pushing hard to get rid of cryptocurrencies (they're not in it...)

Nice, well done.

Sure, after they kicked out 3500 employees and hires new graduates, with 0 experience...

Certainly KBC in Belgium is the most innovative bank in this country; they have exposed simple, ingenious and bold ideas. This one is another example. Good job.

MC & Visa can’t get enough...greedy, greedy...

The benefit is that no branch, atm, stuff fir the bank (cost savings) and the mobile is a “personal” token for authentication, so it’s you, given if some sort of biometric features have been activated on it.

Typical, big bosses due an unbelievable mess then employees pay for it... and again as usual:  “natural departures”. Why don’t the responsibles naturally leave to federal prison?