From the Forbes article: In the longer term, Facebook Credits could become truly disruptive by becoming a currency for peer to peer lending, microtransactions,

From the Forbes article: In the longer term, Facebook Credits could become truly disruptive by becoming a currency for peer to peer lending, microtransactions, and for usage by the unbanked in emerging markets around the world. It's amazing how much utter tripe gets written and published about this sort of stuff.