*Replace money in transaction? Yes it could, as a matter of fact, I have send money to my friend from different location without the hassle of using credit card nor atm card. But using bitcoin and its wallet, the transaction is so smooth that it don't even charge me a peny because we are using a wallet addresses from a same wallet provider company. What much more great is that you could process the payment transaction without filluping some sort of bank forms, and you don't even need to visit the bank. Currently, as you could see, there are also electronic form of transaction done by famous banks. But there is a transaction fee and enrollment fee in a particular account.