Earlier quoted context omitted.
Your comment couldn't be more asinine. Did you even bother to google search them? Here I'll help. https://www.stellar.org/ https://www.ibm.com/blockchain/solutions/world-wire
Personal attacks will get you banned here. Would you please read https://news.ycombinator.com/newsguidelines.html and follow the rules?
I apologize. I did not read the rules. I have now and will refrain from any personal attacks going forward.