Our philosophy differs from the standard ACH protocol as well as other direct competitors leveraging digital assets. Although we utilize aspects of each we are not a bank, trading platform, or exchange. We simply plan to give the user select choice in which cryptocurrencies they can transfer, deposit, store and spend at participating locations. We stay away from chip cards as that defeats the purpose of quick anonymous transactions (ghost-payments). We hope to rid the negative stigma associated with digital currencies and legitimize a valuable asset that we can benefit from across many industries. Many times standard client banking information is sold out, we believe our users should be the only ones able to access and control their financial information. Additionally, we plan to protect the users identity on the merchant end by not relaying any information about the user. Instead we will have the transaction come up as Ghost Pay Inc. with the specific transaction ID to protect the identity of our clients.