Dash as a money platform

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# Who needs<br>crypto-<br>currency<br>today?

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## unbanked
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In some regions of the world banking services are simply not offered, due to low population density, poverty, or other factors.

(Image by Ceifa em Anticoli Corrado, by Pedro Weingärtner, 1909)

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## underbanked
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People with poor financial history may lose access to banking services.

(Image CC-BY 2.0 Tony Webster https://www.flickr.com/photos/87296837@N00/17626366404)

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## underbanked
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Politically or socially marginalized groups, like legal cannabis dispensaries, are often cut off from banking services or forced to operate as cash-only businesses.

(image is in public domain)

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## expatriates

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Sending money overseas is very expensive and slow, especially if it is also exchanged into another currency.

(Image CC-BY 2.0 epSos.de)

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## inflation<br>victims

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Countries like Venezuela and Zimbabwe have inflated their currency into uselessness, and instituted harsh monetary controls which sap people's purchasing power overnight. These regions are comfortable with the comparatively mild swings in cryptocurrencies' values.

(Image is in the public domain)

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## savers

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Inflation is a problem in first-world countries too. Nations with a lot of debt practice "financial repression", which is mild inflation which remains higher than typical interest rates. This is a way to reduce national debt without quantitative easing.

(Image CC-BY 2.0 https://www.flickr.com/photos/126131780@N08/14713883257/)

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## speculators

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There is a lot of interest lately in new speculative assets, due to low interest rates but also due to barriers to investment. I think this is a big part of why ICOs have proven so popular: there is almost no barrier to entry.

(image origin unclear)

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## businesses

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Businesses bear most of the costs of normal financial transactions today. Cash transport costs, processing charges, chargebacks, and long settlement times all take a piece of gross income, which can dramatically reduce profits and force price increases.

(image origin unclear, used in memes)
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![Dash logo](img/logo-tharp-clark.svg)

???

How does Dash meet those needs better than other cryptocurrencies?
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# Digital Cash:

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InstantSend  
PrivateSend  
Low Fees

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Cumbersome  
Technical

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# Dash Evolution

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Usernames  
Two-factor login  
Simple merchant integration

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# Implementation

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![Layer 1: miners](img/layers-1.svg)
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![Layer 2: masternodes](img/layers-12.svg)
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![Layer 3: DAPs](img/layers-123.svg)
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