BusinessInformation SystemsInformation TechnologyComputer NetworksElectronic Data InterchangeExchange Of InformationInteroperabilityPayment SystemsDigital IntermediationInformation IntermediariesInterorganizational Information ExchangeOpen Information SharingOperatorsPayment InteroperabilityPeer-to-peer Information ExchangeReach
The web has enabled free and open information exchange for a vast number of users around the world. However, it has so far failed to do the same for payments. Instead of finding the cheapest route for each payment from a competitive network of providers, we rely on a small number of proprietary operators with global reach.
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Bitcoin: A Peer-to-Peer Electronic Cash System
Spongebob Squarepants · SSRN Electronic Journal · 2008 · 11.2K citations · Full text
The Ripple Protocol Consensus Algorithm
David Schwartz, Noah Youngs, Arthur Britto · 2014 · 530 citations