Presented here is the simplest form of numerically delineated value transfer ever invented, implemented on an architecture that can credibly scale to handle multiples of the current worldwide monetary transaction volume at an extremely low cost per transaction with an extremely low, single-digit-milliseconds internal latency.
Nobody uses Bitcoin that way--everybody uses the very centralized and very identified brokerages like Binance to actually buy and sell it. The libertarian fantasies of "currency without governments" never materialized nor will it.
Bitcoin will always be just another speculation instrument because it's too slow and too expensive to used for any other purpose. The reason is this useless religious garbage called "blockchain".
What if Bitcoin became popular despite the fact that it was based on blockchain rather than because of it? What if blockchain is a technical fail that's going to join things like NoSQL in the ash heap?
Haypenny is digital currency done the right way. Because of that, it's fast, secure, private, and it's far easier to use for average consumers.