More about the protocol and less the crypto ?

Centralized solutions to money and commerce
Alphapoint.com
Bulla from the Medieval Latin for “a round seal” is an inscribed clay or soft metal or bitumen or wax token used in commercial an legal documentation as a form of authentication and for tamper-proofing whatever is attached to it or contained in it. — Wikipedia
A global bulla banking dashboard for a wallet on xDai chain

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