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RE: MaaS - Money as a Service -Cryptocurrency
There are a lot of tecnical issues to face, but for mass adoption crypto needs simplicity. Take Steemit for example, Steem, SBD, SP, delegates, witnesses, reputation, various keys. A average person would think what is all this crap.
Not to talk about other gazillion coins, POW, POS, Dpos, minting, forging, algo, cloud mining, mining pools etc...