Stable tokens in the future will likely be aggregated upon payment across all platforms and all businesses. They want CBDC, you spend your most beloved favorite Rtoken.
A template to design your own parameters, making your money ‘intelligent’, allows for your own personal tailored financial experience.
On the other hand, the impact this could have on businesses is quite large too.
Here’s how ChatGPT summed this up for me.
I’m confident, passionate, full of ideas with a good understanding of where the future is going, but I’m no Robot. Only my work ehtic is like one.
"With customizable templates, both individuals and businesses could have a way to program how they receive or distribute stable tokens. For individuals, this might mean that when funds come in, they can automatically be set aside for savings, investments, or other personal goals right at the point of reception. For businesses, templates could simplify payroll by automatically allocating funds toward things like employee benefits or reinvestments, helping everything flow more smoothly.
These templates could bring a new kind of flexibility to finances—think of it as “intelligent money” that adjusts based on your preferences. For example, if you spend $90 and receive $10 in change, that change could go directly to your savings or investments based on a template you’ve set up.
And by building this functionality directly into the R token, there’s less worry about relying on third-party apps. It keeps things efficient and secure within the Reserve Protocol. It could even allow people to get creative by turning their templates into a shared experience that others can use. The more effective a template is—especially if it connects to income-generating models—the more value it will bring to the community.
This idea could be helpful for both businesses and individuals, offering a simple, flexible way to manage finances that adapts to each person’s unique needs. It’s something that could open up new possibilities for a more personalized, supportive financial ecosystem."
There you have it.
Intelligent money is the future. How intelligent, and the ways in which it can become intelligent, is up to those that decide to ideate that future I guess.