We are solving several needs for each of the stakeholders. At a very high level, all existing payment systems are inefficient and fragmented solutions. We designed a single ubiquitous platform which addresses all use cases in the most efficient manner possible. Cash wastes $1.2t annually, Electronic transactions wastes $1T annually, we are solving the inefficiencies of current payment products which waste $2T annually. Aside from the cost efficiencies that we provide to banks and Merchants, here is a short list of the other value propositions we provide: Banks – ultra low cost, highly profitable, eliminate fraud & ID theft, highly secure, scalable, enhanced uber consumer experience, etc. Merchants – low cost, secure, instant, built in loyalty program, big data, etc. Consumer – convenience, security, privacy, rich incentives, ubiquity, etc.