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Cash 101, part 3.

Can digital money behave like a banknote?

The hard part: a digital file can be copied, a banknote can't. Solving that without a bank in the middle is the problem SoftNote was built around.

Stablecoins 101, part 2.

How does USDT or USDC stay near $1?
Reserves and redemption.

Issuers hold assets like cash and short-term US Treasuries, and approved holders can swap tokens back for dollars.
If the price drifts, traders close the gap.

Cash 101, part 2.

Card payments and bank transfers don't move money the way a banknote moves.

They update balances in accounts.
Banks, card networks and processors sit in between, and payments can take days to settle or be reversed.

Cash 101, part 1.

A banknote doesn't know who you are. Whoever holds it owns it, and handing it over settles the payment on the spot.

No bank in the middle, no approval, no record. That property has a name: bearer money.