One amazing thing Alibaba did was it built credit histories for the average Chinese consumer who had no credit history at all in the American sense of the term, and that was not going to change anytime soon. Alibaba used a person’s e-commerce activities on its very website to vouch for their creditworthiness. And it has worked like magic.

I want to take that spirit to the lowest income brackets on the planet. And I also want to build credit histories for people who might have social capital and no other capital at all. And I have ways to do that without any e-commerce involved, although I am not opposed to e-commerce. It is going to be akin to turning fog into drinking water in the Sahara.

I think you could give a one-year paid holiday to 70% of the bureaucrats, police officers, and soldiers (some might argue and 100% of the politicians) in a country like my native Nepal and dismiss them subsequently, and most of them will get jobs that pay double in the private sector. My company would want to provide an e-Estonia for countries like Nepal. For 10% of the cost, you will get 100 times better government services. All you have to do is agree to switch.

My revenue is going to come from the US government which makes it rain for the defense contractors. My revenue is also going to come from countries like my native Nepal.

And I am going to do Kiva times a million, P2P, ordinary person to ordinary person. Velocity can be magic: money at the speed of light.

Building credit histories for the people who are officially the most creditworthy people, dollar for dollar, should be easy peezy squeezy.