It seems that you have information that is not in the press release you include, which talks (as far as I can tell) about catalog purchases with credit cards. Enterprise Integration Technologies and friends will enable digital money transactions in Mosaic in September Is this announced? The transaction model has a crippled mode for people outside the US and Canada Crippled? They intend that you will be able to write contracts and internet checks on participating banks. Will the recipient of the check be required to be at a participating bank? And you can already write contracts with existing digital signatures. A contract is just an agreement between two parties; intermediation is not required. For this reason I think decentralized account based digital money is the best hope. Account based money is identity based money, even if the identity is a pseudo-identity. The whole point of cryptocash protocols is to separate the link between two account by mediating the transaction with some instrument. Eric