Digital money, in a strict sense, has been with us for a long time. Fortunately, paying, transferring, or accumulating money is, in most cases, a process that no longer involves any physical exchange—neither coins nor bills—nor the use of traditional payment instruments such as checks, cheques, or promissory notes. All of these have been progressively replaced by card charges, transfers, and other transactions reflected only in accounting entries, without the physical movement of money.