The Wall Street Journal reports that a peer to peer social currency based economy may be playing a large role in our future. Stan Stalnaker, founder of the Hub Culture social network says “I don’t think anybody has any idea of how big a shift is coming in terms of our our view and perception of finance and money.” Clever social entrepreneurs are already bypassing the traditional banking world with micro lending services such as Kiva.org, and now other groups are creating their own units of exchange.

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