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A financial infrastructure that can support how the Internet will grow is necessary. However, as a trade-off for ensuring the integrity and security of financial transactions, financial institutions have hampered innovation and growth. A financial network should be fair, transparent, efficient and inclusive. With a low barrier to entry, consumers would not trust providers to police themselves. On the other hand, providers would not trust a single entity to operate the network. A compelling alternative is a decentralized system where participants ensure integrity by trusting on the validity of one another’s transactions together. This is the basis of the need for worldwide consensus.