> 1. Denominated in U.S. dollars; > 2. Issued and guaranteed by the U.S. government; > 3. Available for retail use by the public; > 4. Not reliant on a commo

> 1. Denominated in U.S. dollars; > 2. Issued and guaranteed by the U.S. government; > 3. Available for retail use by the public; > 4. Not reliant on a common ledger or any third-party payments processing intermediary; and > 5. Capable of anonymous, offline, peer-to-peer payments. We already have cash... cash does all these things.