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Steve Kirsch CEO M10 supplier of technology to banks enabling them to issue digital M0 and M1 money. Digital money issued by your bank is the future of money. We supply software to banks enabling them to modernize payments by issuing digital money to their institutional, corporate, and retail customers. This digital money is fungible with digital money issued by other M10 network members. This enables 24×7 payments that clear and settle instantly. Uses digital signatures to authorize payments (push and pull). Enables your authorized apps and/or devices to digitally sign requests on your behalf, with limits under your control. Your master private key(s) are secured in the secure enclave of your devices (or HSM) so malware cannot initiate payments without your express consent. Approve payments with a click or biometric (larger payments). No usernames/passwords required. Make local and cross border payments instantly at low cost. Hold money in multiple currencies (especially important if your native currency isn’t a G10 currency). Has a number of features very attractive to central banks and regulators. Eliminates need for traditional nostro accounts and correspondent banking. Subject matter experts say our approach is the best solution for digital money available today.