Money is still evolving

Money is still evolving, and its movement toward Open Money makes sense when viewed as an evolutionary process alongside the internet. The article says money is going digitally native, with direct deposit and apps like PayPal and Venmo as early examples, though these digitized systems still rely on the legacy financial system. It argues that internet-native money, or Open Money, could offer the efficiency, speed, and global reach that the legacy system lacks, enabling ideas such as digital identity, digital scarcity, and AI agents that deploy capital.