Trust is essential in the financial system but 2.8 billion adults are underbanked worldwide, lacking trust in financial institutions. The current system relies on trust in intermediaries, even unknown ones. The internet and a new technology since 2009 offer a solution to improve money transactions. Traditional bank transfers involve multiple banks, taking up to three days and costing $20. In contrast, communication through the internet is quick and affordable. The new technology promises to revolutionize financial services, challenging the expensive and controlling nature of banks. Central intermediaries are questioned for their strict control over transactions.