The internet has made information free and global. So why is money transfer still so difficult and expensive? The early internet promised a future where anyone could publish, build, or trade without permission. Protocols like email and the World Wide Web were open and neutral, sparking a burst of creativity, innovation, and entrepreneurship. But it veered off track over time. Today, the global financial system is like a patchwork of corporate networks: centralized, closed, and predatory. Behi...

The internet has made information free and global. So why is money transfer still so difficult and expensive? The early internet promised a future where anyone could publish, build, or trade without permission. Protocols like email and the World Wide Web were open and neutral, sparking a burst of creativity, innovation, and entrepreneurship. But it veered off track over time. Today, the global financial system is like a patchwork of corporate networks: centralized, closed, and predatory. Behi...