Tokken ® is a mobile platform that extends banking services to cash intensive, un-bankable businesses. We launched this company to address one of the biggest regulatory discontinuities of the 21st century — legal cannabis and banking. However, we soon realized that there is a greater need for a consumer- focused, secure payment system in other cash heavy industries. Thus, we created a platform that leverages the latest technological innovation in cryptography and data management to offer banking and payment services to a growing segment of the under-banked and un-banked. The timing of our launch is particularly important as it overlaps two major technological trends in consumer spending: widespread adoption of mobile payment systems and the emergence of cryptocurrencies.