Payments are not "tech", they're finance. Things move very slow there. We can message each other peer-to-peer in real time with end-to-end encryption, but fina

Payments are not "tech", they're finance. Things move very slow there. We can message each other peer-to-peer in real time with end-to-end encryption, but financial messages still move in batches over a 1970s centralized communication system, in plain text and in "near" real time (hours to days), with all limitations of those times affecting how business gets done in 2019. Judging by the finance industry standards, public-key authentication has yet to prove itself.