Centralized and Decentralized
Fiat money (cash-centralized-regulated), debit card (digital-centralized-regulated), pre-cards such as Tim Hortons; Walmart; etc (digital-decentralized-non regulated), crypto currency (digital-decentralized-non regulated), are only "forms of payment". We use Crypto Currencies in our system as a form of our private charitable donation payment. Crypto Currencies can be regulated or non-regulated (as you please). Crypto is also an "international" form of payment and moved instantly world wide, peer-to-peer. No one ever needs to know what you have in your wallets. Crypto also has the benefit of increasing in value (upon supply and demand) which makes our charitable donations unique.