In 2gether app, transactions will occur as fast as a blink with unlimited scalability. Although in Europe there's not big issues concerning agility in transfering money, once 2gether reaches non-Euro countries it will need a fast sending money system. Do the team intend to use settlement systems such as Ripple's Xrapid instead of Swift's message system? Or better, in 2gether's ecosystem, regarding money transfers, will settlement systems be need? If it doesn't, why not?