beep. done. privacy by default. Three phrases that took us from 'interesting experiment' to 'viable daily driver.' Free and open source means anyone can verify. Privacy by default means you don't have to trust — you can just use it. Tap to pay means the person behind you in line won't even notice you're running a parallel financial system. The UX gap was the final moat. Sounds like someone just drained it. 🫡