The Internet of Things is all about machines trading with machines – your fridge orders groceries; your car, fuel; your television, entertainment; and so on. However, machines cannot trade with machines if it’s expensive and slow. Would you really want your TV to order the next season of Games of Thrones, if the payment took ten days and cost $25 or more? Unfortunately with the way the bank system works today, that is the problem we face today. As a result, we need an Internet of Value to work with the Internet of Things. The Internet of Value – or Value Web, for short – allows machines to trade with machines and people with people, anywhere on this planet in real-time and for free. Using a combination of technologies from mobile devices to bitcoin and the blockchain, fintech firms are building the Value Web. The question then is what does this mean for financial institutions, governments and citizens? This book provides the answers. "This book will be an invaluable read for all interested in the way business works." – Sir Roger Gifford, Former Lord Mayor of London
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