The early pioneers of online commerce brought money to the internet and were the winners of the dot com era. They allowed consumers to spend money how and where they wanted, at a time when institutions would not. Today, the same opportunity exists for those meeting consumer demands to transact in digital currencies. Crypto has laid the foundation for a modern global payment system that offers faster, cheaper, and more accessible transactions. But to go mainstream, crypto payments must be secure and intuitive. In this talk, we’ll explore both the complexities and inevitability of money on-chain.