I highly recommend you invest in REQ coin. It is a decentralized network built on top of Ethereum, which allows anyone, anywhere to request a payment. The request can be detected and paid in a secure way, without the need to involve a third party. The request is saved on an immutable, authentic ledger, which acts as a unique source of truth for accounting and auditing processes. Request is designed to be flexible, to last hundreds of years, and to work with IoT, whilst being compatible with any future systems.