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Always Moving Always Sharing Somaliland

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IN SUMMARY:<br />

Blurred lines between commerce and personal use,<br />

and the lack of identity of a transaction.<br />

PEOPLE USE EACH OTHER’S <br />

The speed and accuracy of Zaad, combined with an inherent<br />

tendency to regularly move money between individuals, makes<br />

for interesting use cases. Proxy use and informal transactions<br />

happen regularly and without regard. <br />

MERCHANT VS. PERSONAL VS. PERSONAL<br />

MERCHANT<br />

The lowest barrier to entry is a personal Zaad account, which is<br />

often used by smaller vendors in lieu of a Merchant account. The<br />

value proposition of a Merchant account isn’t clear, and there is<br />

little reason for them to consider it.<br />

SAPPHIRE: CONFIDENTIAL & PROPRIETARY - FOR INTERNAL USE ONLY STUDIO D RADIODURANS<br />

DECEMBER 2014 51

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