Also note that, per a conversation w/Frank Trotter, there are no minimum balances for those wanting to just establish ECash accounts. There is also no significant operational difference between merchant and customer accounts (it's mostly a matter of fees.) Individuals can set up shops w/personal accounts. Frank seems to think that he posted an announcement to this effect to cypherpunks in the middle of the night last night. I suspect he was tired. (I'm apparently account number 10; the software should be put up for download by Marcel either tonight or tomorrow. He's apparently playing squash.)