Future of payments or future of money?

TBL is surely right in stating that independence of device is the only way forward.

Money is independent of brand and runs on any device.

The real innovation will involve money that produces real and measurable social value that is web based.

I see payments as the pipes, not the platform. It's the platform, the system, that will really add value. Everything else is surely playing second fiddle to the opportunity for change?