Does it matter if they are not concrete? Concrete takes a long time to set.

Why make a product and not sell it baffles me. Especially when others are rapidly making products.

Most of the world has already or is in the process of rolling out their own payment network to drop reliance on visa and Mastercard.

Trade is being reconfigured in the midst of Trump's idiotic trade war (and even more idiotic real war) and militaries worldwide, particularly our closest allies, are seeking non-US sources of arms.

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