In Search of Genuine DigiCash

There certainly are digital funds transfer systems, almost all fully identified. These are not digital money systems, although they may be precursors.

The U.S. banking system is largely a "digital money system" in the sense that the bulk of the money in the system is represented in book entry form in computer systems and has no other existance. Well, just to pick nits, I'm referring to a retail-level, digital, general-purpose, bidirectional transaction system. That doesn't exist yet. (Credit cards aren't bidirectional.) Certainly, though, the book entry money that is the world's high end monetary accounting is all digitized at this point. Eric