“Better Than Money” turns traditional finance on its head by letting users keep all their assets, including what would have been cash, invested all the time. The app makes it easy to pay or receive asset-based value directly from or to your asset portfolio. It even lets you accept portfolio suggestions from other users or AI. The cryptography is stronger than quantum-safe against forgery and lets users ensure protection of their own privacy. Combining secure transparency with asset-backing in this way, it moots the risk of a systemic liquidity crisis. Scalable to a large and rich range of assets, it lets everyone stay fully invested—reducing inequality and disaffection by increasing global prosperity.

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