In reply to maxbaxter.

And do tell, how do you think that you are going to get that "real time" access to banking accounts outside of the arrangement that the world’s banks have with the MasterCard and Visa systems? Indeed, real time “debit” transactions already exist via MasterCard and Visa; the problem is, consumers apparently prefer to use the “credit” transaction instead of the nominal-cost "debit" transaction at physical point of sale; still, the merchant, if they don’t like the cost of the “credit” transaction, have always had the option of only accepting “debit” transactions. So, really, there is no problem that the merchants themselves cannot solve; and I hope you aren’t going to suggest that CurrentC will be the answer—LOL …