I won the smart card device and issue my protocols. As needed, the kernel in my hand is under pipeline control via external notaries. I have thumbprint and laser ID, green/red, NFC, reen/red. Fitd in my hand and as long as mycard holds a secret key it is counterfeit proof, really. My protocols are just as valid as the rich guys, for an extremely low cost.
Take the reference architecture and march it up the product ladder in functionality and price. The market is 6 billion times 100 per year. Individuals will typically, across the globe, invest a hundred a year in smart card upgrades and depreciation.
But the utility of voluntary, personal and nestable contracts makes this market well worth it. It includes welfare budgeting, auto financing on purchases, global warming budgeting, tourist pending; all of them personal contracts. The model of buying frequent flyers when planning a trip, that model extends far and wide. Humongous business for bankers who feared losing their job. Most of the hardware wallet vendors are candidates for acquisition. The Cyprus finger print ATM card will be wildly popular. And the reference design moves onto the mobile devices.
We could never cram all this stuff into Silicon Valley, impossible. The techies will get themselves layer real quick on this and parcel out the companies.
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