of things that are central banks should do in order to accelerate payment and begin to crack the ola godley on ply onborder -- oligo cross-border fees. host: democrat line, matthew, go ahead. caller: good morning, how are you? guest: good morning. caller: i think that cryptocurrencies is kinda like a religion, and i really do not find anything that backs this. there is nothing hard and nothing tangent. it seems this currency could be they decide to make the price, it seems that is what they can come up with. i could be wrong, but it seems to me that every time i tried to get some research to see what is this cryptocurrency based on, i find that there is nothing but thin air. your response. brummer. guest: you are not the only want to make that critique, but it is again very important to distinguish trip to currency and emphasize two things. number one, how they are structured can be very different. as i said earlier, the libra cryptocurrency is backed by something. it is backed by other currencies, national currencies, and government securities. we do not know exactly which ones, but we kno