[tomasien]

I know it's not quite "not relying on banks and credit card companies", but removing ONE of them from the equation (credit cards skimming fees) is what I'm working on now. This is how it works https://www.youtube.com/watch?v=QR5UTLxe5zA&feature=youtu.be

By removing them and decentralizing the banking process by centralizing it into a third party (which could be many third parties), I think we'll allow anyone who wants to start a bank of any size to compete for marketshare with the big boys by providing better services.