“Digital cash” has been a dream of the internet age for, well, almost the entire internet age. That goal requires instant payment settlement. It’s more than just sending a message that a payment has happened; it means the money has actually moved.

In this wide ranging conversation with Laurence Cooke, founder and CEO of nanopay, he discusses the platform his firm has built to move value between parties in both real-time and, when necessary, offline modes. More distributed than blockchain systems, nanopay is designed for multiple uses cases including B2B payments using ISO 20022 representation of the payment data.

If you’re at all curious about payment security, blockchains, distributed ledgers, or the instant payment systems now being deployed, take a listen to this conversation between Laurence and Glenbrook’s George Peabody. It’s quite a story and we touch a lot of bases.