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It is not certain that a digital payment solution is in itself synonymous with efficiency: each subject has their own needs and therefore a system that is best suited to their needs. In this sense, the need for instant and certain money transfers are increasingly felt, so much so that in some ways cryptocurrencies were born on this basis.
But leaving out these systems that are still a little distant from the business world, the need for instantaneousness is satisfied with instant bank transfers, …