Only once a person is able to use cryptocurrency in the same way that they use any other currency, will all of the benefits of cryptocurrency, such as lower transaction costs, speed of payment, removal of national boundaries and so on, become real. There are already 3 million daily users of cryptocurrencies, a number that is expected to exceed 200 million by 2025. The demand for cryptocurrencies exists now and will grow at an annual CAGR of ~70% for the foreseeable future.The potential to satisfy this demand is perhaps the most exciting banking development of the past 100 years and the prize for those who are successful is a place on the global banking landscape at a rate of growth and a worldwide presence that can never be matched by any traditional banking development plan. Floaterium bank will be a first step in satisfying this demand. It will be made available for download via the IOS or android marketplace and is planning to be ready-to-use on mobile devices immediately. Unlike conventional mobile banks that take weeks to process and issue cards, the Floaterium bank provides an instant processing engine for both fiat and crypto based currency transactions while enabling inter-changeability between the two. With Floaterium's digital bank customers will finally be able to use cryptocurrencies to pay for fiat based goods without transaction. limits and with low commission on any of the world’s existing 42 million payment terminals and many internet stores and payment points. Floaterium's technology platform is developing to be based on algorithms that allow for the most efficient exchange rates matching across natural peer-to-peer flow as well as third party Crypto-exchanges. Thisis planned to be quickly followed by a range of complimentary banking services from simple Peer to Peer payments to Cryptocurrency backed lending.