Emin truly did sit down with our CEO at a hotel bar in London (while Emin was in town for a blockchain conference) and helped give vision to what is now XOV.....Global Decentralized Banking. After Emin, other economic, blockchain and banking professionals have joined us to advance the project deeper. Sure you can lend your money to other people individually, but people will still need banks. There needs to be a 'centralized' place to store your assets and funds....and whether we like it or not, governments aren't going to politely stop issuing and/or accepting their own currencies. There will be new digital currencies made on the blockchain and XOV hopes to have the patents and resources in place to assit them in their endevors.