@Hyolobrika this is not really "cash", as they are not fungible. It also sidesteps the whole issue of double-spending by merely assuming that creditor is willing to trust debtors to not "overdraft".
It's funny that so many people now want to find an alternative to blockchains, but they will have to learn by themselves that blockchain have become so popular not because they are "good", but because they are the only distributed trust-less system that could possibly work.
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