Seems there are two parallel developments here:

a) Rise of alternate forms of organizing trust. People distrust government or other organizations, and turn to alternative forms of organization and trust.

b) Rise of digital wallet/transfer systems that are fundamentally about charging for throughput/withdrawals. The article mentions that banks are restricting withdraws - presumably because banks need deposits to stay liquid. Whish on the other hand doesn't care - it makes money as a % of each transaction.