A business model based upon crypto fluid payments, that reduces the level of friction associated with non-continuous (eg monthly and semi- monthly, etc) payments. Specifically between employers, employees, and financial intermediaries. This reduces the total cost of borrowed capital, ultimately expanding the reach of that capital. It accelerates the accuracy of real-time financial reporting, thereby enhancing the efficacy of matching buyers and sellers. Together, these capabilities increase the capacity for disciplined financial decision making.