Botha took the words out of my mouth: Roelof Botha: I don’t like it. Money was invented for a reason, we’ve seen people try to use beans etc. and it doesn’t wo

Botha took the words out of my mouth: Roelof Botha: I don’t like it. Money was invented for a reason, we’ve seen people try to use beans etc. and it doesn’t work. I wouldn’t invest. What problem does this company solve that banks and bond markets don't solve with incomparably greater efficiency?