The Blog

Update about group withdrawal from Ambisafe.

Earlier this year, we announced a potential solution to the issue of withdrawing BBT from Since Orderbook charges (currently) 15 BBT to make a withdrawal of BBT, we planned on conducting a group withdrawal. We would do a single withdrawal of all the BBT sent to our Orderbook account, and then manually return the BBT to  individual, non-Orderbook wallets.

However, tech support at Orderbook has informed us that there is also a 15 BBT fee to send BBT between Orderbook users, so a group withdrawal has the same cost as just withdrawing to your own external wallet.

We are left with only our original solution, which is reimbursing Orderbook users for the withdrawal fee. Note that we will only reimburse for ONE withdrawal, so if you want all your BBT out of Orderbook, it is better to do it in one transaction, because that is all BitBoost will reimburse you for. During the following days, we will give you more instructions about how to proceed with reimbursement.

This is the “least worst” of all the possible solutions. We would prefer that BBT holders were not in this position, but Orderbook’s fees were a surprise to us too. BitBoost values its community, and we are doing what we can to absorb this cost. Thanks for your patience and support.

>>>>>>>> POST UPDATED ON WED, 7TH MARCH, 2018<<<<<<<<<

How to get your fee reimbursed

To receive your reimbursement of 15 BBT, please fill in the form below with your email, address, and transaction ID. We will proceed with the payments as soon as possible. If you have any further questions, you can find us on our Telegram channel, or you can drop us a line at [email protected]

You will only be reimbursed once, so we recommend that you get all your tokens from Orderbook in a single operation! If you do not withdraw all of your tokens the first time, you will be responsible for paying the fee after the first withdrawal. Thank you very much for your patience and support!



We are launching our Sellers Program!

It’s happening! During the first half of 2018, we’ll be setting up the foundation for our project. This means finishing the app, finding our first group of sellers, and seeding our live marketplace with a large supply of items to purchase. We will release our next product build shortly, which will be a cleaner, more functional build. For now, we will explain what steps we are taking to seed our marketplace:

  1. We are searching the web to find potential sellers. Our candidates are those vendors that are already accepting crypto for e-commerce, who want to join us to redefine e-commerce through blockchain.
  2. We have designed a referral campaign (aka bounty campaign) to leverage our community. Our followers and collaborators will receive a reward for every seller they onboard.

If you are a vendor who would like to join us, you can subscribe to our Sellers Program through this landing page. Once you’ve signed up, we will send you a series of emails explaining the advantages of our service as well as next steps to take.

Using the Sellers Program we can also define and better serve our target market. As part of our strategy, we are looking for the right market niches to focus on in order to obtain early liquidity in our marketplace. Then, we will ask potential sellers to confidentially send us information about their products, location, and so on to match them with compatible buyers. If you would like to participate, please complete our Sellers Form.

Finally, we are working with already onboarded sellers to improve our product. We invite our first users to download, try, and test the app. Then, send thoughts and suggestions to [email protected] so we can provide you with the best user experience possible.

That’s it. We hope you’ll join us as a vendor. Let’s redefine e-commerce together!

Our purpose as a company, v. 2.0.

In the summer of 2017, when we started with our marketing campaign for the ICO, we published a small article explaining our purpose to redefine e-commerce. At the time, it seemed like a good purpose, but now that we’ve gained more experience and perspective, we realize that it could use some improvement.

A few months ago, we read Simon Sinek’s “Start with Why” methodology, and it really spoke to us. Basically, Sinek explains that any company or individual, in order to define their guiding principle, or purpose, should start asking why. Why do we do what we do? Why do we want to do it? Only after you’ve answered the Why, does Sinek suggest that people answer How and What. This is a simple, but very powerful exercise called The Golden Circle.


So, during our last overall business meeting in January, we ran this Golden Circle exercise, to explore and better define our purpose as a company. The results were really interesting. We found that, actually, creating an e-commerce application is just the How of our purpose. But we had not yet defined our How and Why. After a brainstorming session, we came to the following conclusion:

  • Why are we doing this? Because we want to make commerce easier for everybody in the world.
  • How are we pursuing that purpose? We are empowering individuals using blockchain technology, removing middlemen and thus facilitating free and efficient e-commerce between individuals and institutions.
  • What are we doing to achieve our goals? We are creating a blockchain-based marketplace, and we are figuring out how to deliver even more tools to our users.
BitBoost's Golden Circle

BitBoost’s Golden Circle

What we realized by asking these questions, is that the core of our business is not simply being on the blockchain, but it’s about meeting people’s needs. We can craft the most advanced blockchain solution of the world, but if we aren’t solving real problems for real people it is completely useless. The blockchain is about people, a community of users freely interacting.

Therefore, although we are a technology/software company, at our core we just want to contribute to a better community. We see ourselves as the facilitators for community exchange, creating the best possible tools we can make for that purpose.

And as a community-focused company, we are trying to be as transparent as we can.  Our marketing and business development plans are wide open to everybody. We invite you to help us build our community of sellers, we actively engage all users to help us build a better product, and we are always on Telegram for anyone with questions or suggestions. We try to be as reachable as we can. Our business decisions are driven by our purpose: to make e-commerce easier for everybody in the world.

So, please, stay tuned. Much more is coming in the following weeks!

Our Sellers Program is almost ready to go.

As we explained in our previous update about our marketing plan, during the first six months our main duty won’t be branding. Branding too early could create problems.  For the same reason, it won’t be advertisement either. Our main duty will be more practical. It will be to find our first sellers for our blockchain-based marketplace. Those individuals will be the seeds of our marketplace, forming a robust supply side first in order to fuel demand.

For that purpose, starting next week we are running a Sellers Program. Its goal will be to onboard as many sellers as we can, directly addressing their needs. Which kind of sellers are we looking for? As explained before, we are focusing on those people or businesses already using crypto for e-commerce. Our payment system right now only accepts crypto (although this will change eventually, accepting fiat), and because of that we are only onboarding sellers willing to get paid in cryptocurrency.

Our Sellers Program will include several actions, mostly handled internally. But we will give also our community a chance to collaborate with us through a referral campaign. What is this referral campaign about? Basically, we will pay those users who actually bring sellers to the platform. More details are coming shortly, so please stay tuned.

Our Sellers Program will also be a test for our product. We will run an onboarding program, where we will work directly with sellers. It will be a highly valuable exercise to improve the overall experience of those using our platform. In the end, it is about validating our value proposition, determining where we need to improve, and setting the foundations for a great service.

Our Sellers Program is, therefore, the first step to build a working, profitable, marketplace over the blockchain. We have a solid plan. We are even working on complimentary projects, and we will update our community as we go.

Update on exchange listings.

Many of our community members have been asking us when we will be listed on bigger exchanges. We are sorry to say that, at this moment, this process is on hold. The reason is very simple. As you might now, we are incorporated in Zug, Switzerland, a country globally known for its willingness to accept crypto companies. Nevertheless, FINMA, the financial authority, is in the process of setting up new rules for all those companies issuing tokens and selling them through a token sale. This means that, at this moment, there is some legal uncertainty. However, that will be solved soon. Meanwhile, the wisest approach is to delay any token operations, and wait for new regulations to arrive. This includes listing our token on any exchange, especially paying for it.

This issue won’t affect the rest of our business operations. We will continue coding our blockchain solution, and finding vendors and partners to build a proper business with it. We want to apologize for the inconveniences that this temporary issue might bring to our community. It’s out of our hands right now. The blockchain world we live in is full of opportunity and change, but it is also a time for regulating bodies to determine best practices and set guidelines. That process takes time. We will adapt as we go, making the best decisions we can to grow this blockchain e-commerce ecosystem. We really appreciate your patience, and your support!

We are going to the World Economic Forum!

BitBoost is going to the WEF!

The World Economic Forum will be held this week in the lovely, winter resort area of Davos, Switzerland. This annual event is probably the best business gathering in the world and blockchain technology will be represented there, since it’s one of the hottest trends worldwide. BitBoost has been invited to several events, where we will have the opportunity to introduce our project to a top-notch audience. We will also look for partners and sellers willing to use our blockchain protocol for e-commerce.

Our agenda for Davos will cover most of the week. If you are there, please join us! Below you can find a list of the events we are attending:

  1. The TransHuman Code presentation, on Wednesday 24th between 17-19 h. The event will be run in Room 1 (first floor) at the HOTEL EUROPE,  Promenade 63. More info about the event here:     
  2. WISeKey Gathering, on Wednesday 24th at 20:00 in the Piano Bar, Hotel Europe, Promenade 63. More info:
  3. Swiss Arab Nights party at Rixo Flüela Davos Hotel, on Wednesday 24th, 19-22 h. More info:  
  4. Blockchain Luncheon featuring Featuring: BitBoost, BuildCoin, Horizon State, at Seehof hotel in Davos on Thursday, January 25, 2018 11:00 AM – 02:00 PM.                        
  5. Visionary Sponsored Event – International Bridges For Justice, at Davos Mayor’s Office (end of Promenade) on Friday 26, 9:30-10:30 AM. Please, email us for more info about this special event.
  6. Impact Investing in Action event on Friday morning, on the 26th of January, 10:00 – 11:00 at Hotel Europe, Promenade 63, Tradeshift Reserve Lounge. Get all the info on the featured projects on the Eventbrite landing page here:

That’s a tight schedule. We will be speaking about how we plan to redefine e-commerce using blockchain technology. No small feat for a startup! Remember that we are looking for partners to build the next e-commerce ecosystem. If you are in Davos, and you want to meet us, please email us at [email protected]. We will be really happy to schedule a meeting with you. See you at the World Economic Forum!

We are burning BitBoost tokens!


When the BitBoost Tokens (BBT) were created, there were initially 100,000,000 BBT. No more BBT will ever be created, so this is the maximum supply.

How do BitBoost Tokens work?

BBT are required for sellers to create a listing on our blockchain-based marketplace. The price of each listing is calculated to be the equivalent of 1 USD at the time the listing is submitted. However, the value of BBT changes over time. For instance, on one day, 1 BBT could be worth 1 USD, On that day, a listing would require 1 BBT. On another day, BBT might be worth 10 USD. On that day, a listing would require only 0.10 or 1/10 of a BBT. BBT have 4 decimal places, so the listing requirement can be as low as 0.0001 BBT.

Extra BBT

Our initial sale of BitBoost tokens did not meet our expectations, and there are now a very large number of BBT being held by BitBoost (approximately 88 million). As outlined in our White Paper, some of these are tokens have yet to be distributed and others are scheduled for distribution. These distributions will still occur. The remainder, approximately 61 million, are tokens that we had hoped to sell last year during our pre-sale and main sale. This 61 million “extra” BBT are the problem.

The Solution

We believe that this large number of 61 million unsold tokens creates uncertainty about the price of BBT, and that is not good for our community. To solve the problem, we plan to conduct a burn.

A burn is process that irrevocably destroys some tokens, permanently lowering the maximum supply. Our plan is to keep the maximum supply of BBT set to a number that is easy to use in calculations, so we will burn 50,000,000 BitBoost tokens, cutting the maximum supply exactly in half.

A burn of BBT will not affect how BBT functions in any way. The price of creating a listing on our blockchain-based marketplace will remain the equivalent of 1 USD, as described above.

We are researching our options for conducting the burn, and once we have settled on the best technical approach, we will move forward, and there will be an announcement. Our goal is to accomplish this burn with no repercussions for current token holders.

After the burn, the remaining tokens (approximately 11 million), which need to be locked until November of 2018, will be locked through a smart contract that we have developed. Our plan was to use an escrow partner for this but we have been unable to find a partner that meets our needs. A better solution was to build and test our own time-lock contract, which we have done. The source code can be found here:

This is the code we will use on the livenet. Before we create the contract, we welcome any review from the community.


Our main BBT token sale is over – some important updates.

Last Thursday, November 9th, our main sale ended. As of that date, we have raised 114 BTC, 1812 ETH, and sold almost 5 million of BBT tokens. Although this amount is below our expectations, it´s enough to launch a good product! We already have a running beta with hundreds of beta testers, and we are working to deploy our app on the Ethereum network during the second quarter of next year, as we have explained in our recently updated roadmap. The funds raised thus far make a great seeding for our blockchain-based marketplace project.

I have purchased some BBT tokens. What’s next?

First of all, we would like to appreciate your support for our project! We are honored and humbled by your confidence in us! Furthermore, you should keep in mind some important points.

First, you can access your BBT tokens through Orderbook. Just log in and you will be able to see them in your account. For safety, we recommend that you keep your BBT tokens in myetherwallet. If you do not have one yet, visit and use the “Create New Wallet” function on the home page. Then, you will need three pieces of information in order to prepare your wallet correctly:

  1.  Address: 0x1500205f50bf3fd976466d0662905c9ff254fc9c
  2. – Token Symbol: BBT
  3. – Decimals: 4.

After you log in to your wallet, click the “Add Custom Token” button under “Token Balances.” Enter those three pieces of information as shown above, and click “Save.” Your wallet is now ready to accept BBT.

After preparing your wallet, you will be ready to transfer your tokens from Orderbook. The system will charge you 5 BBT for that. Don´t worry, we will refund it to you. Just email us at [email protected] and include your transaction ID, to confirm that it is a real transaction from Orderbook. Then, we will send 5 BBT to the same address used in that transaction. Only one transaction per person, please. 

During the beta testing period, if you have real BBT tokens do NOT keep it in your Block Wallet. Using real BBT during the beta testing period will result in the loss of these valuable tokens! We have created “test BBT” and “test ether” for the purposes of testing our beta versions. If you would like to participate in the beta test and get to know our blockchain-based marketplace, please register.

Once that our blockchain-based marketplace is Live, you should keep at least a few BBT in your Block Wallet so you can create listings… if you want to be a seller. Buyers do not need BBT, just ether.

Some of you are asking if you can buy and sell BBT on any currency exchanges. Right now, we are listed on and We are also in and We will continue to improve our list of exchanges, so expect more news in a few weeks.

For any inquiries and support, please email us to [email protected].

What are the next steps for BitBoost?

Right now we are finishing the final tasks to wrap up our ICO, redistributing BBT tokens, and setting up the foundations for the next few months. This will include:

  1. Developing the app. If you have skills related to Smart Contracts, cryptography, Angular 2, or UI/UX design, we’d like to hear from you. We are always looking for new language translators to help us localize our blockchain-based marketplace for as many regions as possible. You are also invited to join our beta testing and help us to make our blockchain-based marketplace even better.
  2. We will start with our user development campaign. We are looking specifically for potential sellers interested in being our first adopters, uploading and selling stuff through our blockchain-based marketplace. Maybe you are one of them! Email us to [email protected] for further info.
  3. We will also start to plan the next token sale rounds. After we have developed, tested, and launched our e-commerce MVP, we will be able to start scaling our user base up into the millions! We will need more funds to support our operations. Therefore, we will sell more BBT but never more than our total hard cap of 100 million tokens (we won’t issue more than that, as noted in our white paper). At this time, we can’t schedule exact dates for future token sales. It will depend on the many factors involved in the development of our MVP, but we will keep you updated. Don’t forget to register for our mailing list so we can send you all the important details!
  4. Finally, this next round of token sales will be carefully crafted to protect the value of BBT, balancing it with our business needs. Every bit of feedback from our token buyers will be really appreciated on this matter. Please, remember that we are always happy to hear from the community.

For more updates, please keep tuned to our social networks, blog, Medium and mailing list. Thanks a lot!



Roadmap update for our blockchain-based marketplace

Many things have happened since last May, when we published our last roadmap. During the last 6 months we have gone through a token pre-sale and main sale, we have released several versions of our blockchain-based marketplace, including an open beta (download here), and many new people have joined our team. Building our team and improving our blockchain-based marketplace will be an ongoing process, but we have made great steps and now we have a better understanding of our prospect clients, our market, and our product.

Moreover, the last beta test gave us clear insights about what is required to build a great product, together with a more accurate understanding of the resources needed. Because of that, we have updated our roadmap to better show the current status of our project as you can see in the following image:

We’re not discussing the previous quarters, but let me explain the work we have ahead. During this last quarter of the year, we have released a public beta with basic options, available as a desktop app for Linux, macOS, and Windows. During the next two months we will improve on the web browser, already in alpha, including an integration with We will also start working on the filtering system, and integrate shipping providers, including PassLfix. We are finishing the end-to-end encrypted chat system, which will be off-chain. Therefore, at the end of this year, users could be able to try a beta with many of the Live functionalities already included or in progress.

For the first quarter of 2018 we are working on the escrow and arbitration system, a core feature for our blockchain-based marketplace. It will be really interesting to see these decentralized features finished. Escrow and arbitration is always a tricky issue in the blockchain, but we have some solid ideas about how to deal with this challenge, so look forward to that! We will also work on the provider’s integration, importable themes, and an alias system to improve the overall experience for our users.

All this work will be finished toward the end of Q2 2018. At that time, we will release a live app for desktops and web browsers, including escrowing, arbitration, shipping and delivery provider integration, integration, an encrypted chat system, and a fully working filtering system. Our blockchain-based marketplace will also include a variable and safe-low gas cost feature, which will prevent users from having to pay high gas fees. Lastly, there will be a complete GETH and caching node network, which will provide more efficiency to the app.

Although our blockchain-based marketplace will be functional in the second quarter, it will get the full power from its features during the second half of 2018. In Q3, our blockchain-based marketplace will finally include a fully working reputation system, more shipping and delivery integration, and we will deliver the apps for iOS and Android. After that, we will start working on the last of the currently planned features, such as storefront shops and bulk inventory uploading, which will allow shopkeepers to create their own storefronts in our blockchain-based marketplace, easily uploading their inventory with a single click. We will also increase user privacy with TOR integration. We plan to deliver the full package in the last quarter of next year.

After that, we will start working on a fiat payment system, since we believe that a critical step for massive adoption of our blockchain-based marketplace will be allowing people to pay in regular currencies, avoiding exchanges.

Obviously, this plan can be modified, but we intend to get it done on time, not later than planned. It will depend on our team, and our capacity to hire more developers during the next year. We have raised enough money to finish our blockchain-based marketplace on schedule, although we know that our community demands it as soon as possible! We will do our best to achieve that, so stay tuned! our blockchain-based marketplace has just started!



More delivery options for our blockchain-based marketplace: Our agreement with LWF.

LWF agreement

In the previous post, our CEO Paul Mahone discussed a partnership with PassLfix, a startup offering delivery services using blockchain technology. This agreement will allow us to give our blockchain-based marketplace´s users more delivery options. Of course, buyers will have the option to use standard delivery companies too, whichever they prefer.

Now, we are adding another decentralized, blockchain-based, third party service for delivery: LWF, a recently created startup. LWF uses integrated blockchain technology to provide excellent solutions to the logistics service. It will let users have a decentralized, clear, and profitable environment where they can safely build the first P2P-logistic-network. Four services will be the core of this system:

  • P2P-Freight Forwarding Services: The first service in the world that allows anyone to receive or send parcels across the globe. The first practical model for secure, decentralized logistics.
  • P2P-Collecting Points: A service where users can have their parcels delivered by forwarders, who will keep them safe and ready for delivery. The forwarder will agree to a preferred delivery time.
  • Mobile APP: P2P Express Delivery: With the LWF mobile app, you can request same-day parcel deliveries from your location to a nearby destination via LWF forwarders.
  • LWF-Internal Logistics Provider: The fully equipped LWF logistics base is now ready to provide all services. It guarantees uninterrupted service 365 days a year and new services will be introduced each year.

How is LWF going to be used within our blockchain-based marketplace? Through 3 features:

  • Registered LWF vendors will offer freight-forwarding services to users of our blockchain-based marketplace.
  • Sellers on our blockchain-based marketplace may use registered LWF vendors to deliver their goods to buyers.
  • LWF vendors will use the LWF internal network and follow the LWF business strategy to ensure the security and privacy of our blockchain-based marketplace’s sellers and buyers, as well as the satisfactory delivery of goods.

Delivery is a critical part of the value chain for an optimal e-commerce service. Having several partners will help us provide the best service for our users. Because our blockchain-based marketplace is a decentralized project, and BitBoost believes in the privacy and security that blockchain technology provides, we will always try to integrate decentralized third-party services. In this way, BitBoost will help to create and nurture a decentralized ecosystem, redefining e-commerce through the blockchain.


How will delivery work in our blockchain-based marketplace? Some insights and first news.

Delivery is a big part of e-commerce. Buyers demand a reliable, fast, and cheap delivery system so they can get their purchases on time for a fair price. Although BitBoost is not a delivery company, we are working to provide the most convenient choices for our users, both buyers and sellers.

Our plan is to include several delivery options. Of course, regular companies, such as UPS, Fedex, and national post services will be included through APIs. But we will also include blockchain-based delivery services. Since we are a blockchain project, this choice is logical and is clearly consistent with our purpose to redefine e-commerce.

We are exploring mutually beneficial relationships with startups to manage the delivery part of the e-commerce value chain. Our first partnership is with PassLfix, a startup with a fully decentralized solution. Although more announcements about this topic will come very soon, we want to talk about our agreement with PassLfix, so users will have a clearer idea of what to expect when our blockchain-based marketplace is live.

Smart contracts to handle the value chain of e-commerce: How will delivery work in our blockchain-based marketplace together with PassLFix?

Álvaro, BitBoost’s Director of Marketing, and I recently had the pleasure of meeting with the PassLfix team in person to discuss integrating their service into our blockchain-based marketplace. We met in Zug for about 3 hours, drinking lots of coffee and making progress on our plans.

The first thing to understand about PassLfix is that they are not a delivery service. Delivery is what our blockchain-based marketplace will use their technology for, but they do not themselves provide delivery. PassLfix is a platform that can be used by delivery and courier services, even individuals, to offer their services to others in a decentralized, trust-less manner, while still providing security. They leverage the power of smart contracts to let customers insure their deliveries with no third party intervention, except in the case of disputes. And in the case of disputes, the courier’s actions will have been thoroughly documented on the blockchain to make dispute resolution easier.

Our blockchain-based marketplacewill integrate services that use the PassLfix platform so that we can give users the most decentralized product possible, thus increasing the savings they can gain by cutting out the middleman wherever possible. But sellers will still be able to offer shipping via traditional services like FedEx and DHL – our blockchain-based marketplace is all about choice. I think the best way to explain how our blockchain-based marketplacewill use PassLfix is by way of an example.

Let’s say you are a seller, and you want to limit your sales to just your home city – maybe you sell freshly baked pastries. (We are working on geographically-restricted sales, by the way, so that buyers can search for just local sellers.) When it is time to choose delivery options, you will be able to look at just the couriers who operate in your city, and view the delivery options they offer. For instance, you might settle on Bob’s Courier Service, which offers delivery within the city limits of items under 5 kilos on the same day for 1 euro, or delivery within 3 hours for 2 euros.  
How did Bob’s Courier Service find its way into our blockchain-based marketplace? Bob signed up his company using PassLfix’s app, where he was able to specify which services he offers, and at what prices. Bob also had to buy some of PassLfix’s tokens, which are used to make a deposit whenever his company accepts a delivery contract.
If a seller offers Bob’s service to her buyers, the buyer will see this as a delivery option. Let’s say that a buyer purchases one of our seller’s items, and then selects Bob as the delivery service. When the seller approves the order, Bob is notified of the pickup address, the delivery address, the item information, and the type of delivery service requested (in this case, 3 hour delivery). Bob pays a deposit into the delivery smart contract, and dispatches his courier.

The courier picks up the item, and photographs it before packaging. The hash of this photo is added to the blockchain, the seller releases the package to the courier, and the courier begins the delivery process. At frequent intervals, the courier’s phone (which has the PassLfix app installed) uploads GPS data to a data streaming service (such as Streamr), and the buyer can view the progress of the delivery from within our blockchain-based marketplace.

When the item is delivered, the buyer signs off on the delivery. The courier is paid by the seller (from the delivery smart contract), the deposit is released back to Bob’s business, and the sale is completed, which releases the buyer’s escrowed funds from the item’s smart contract to the seller.

To me, the ability to track the item’s movement from with our blockchain-based marketplace, combined with the decentralized nature of PassLfix’s smart contracts is a winning combination. The seller and buyer are both protected by a deposit paid by the courier. I believe this model of services, without a middleman taking a cut of every transaction, is the future of commerce, and I am pleased that our blockchain-based marketplace will be one of the first apps to make use of it.

Conventional shipping services will always be available and, for the foreseeable future, will remain the standard. But we can see the next step in the evolution of e-commerce, and shipping via PassLfix is just the tip of the iceberg. Eventually, I expect that the bulk of e-commerce will follow this model, where buyers and sellers connect directly to each other and leave the mechanics of payment and the security of the transaction to smart contracts, only involving a third-party in the case of disputes.

This brings me to dispute resolution. We are developing smart contract-based solutions to that process as well. Right now, “fintech” is where most blockchain innovation seems to be happening, but I think e-commerce will eventually surpass it as a hotbed of innovation and disruption. Buying and selling is something all of us do every day, so the possible range of impact is much greater than what may come out of fintech.