IOUverse: IOUs-as-money ecosystem, bases on SBT (soul bound token) with decentralized reputation

Stan Takt, CEO founder. Developer by hands a lot of years. IT entrepreneur since 1997 Founder of 3 blockchain startups since 2015. The president of Moscow chapter Government Blockchain Association. https://www.linkedin.com/in/taktaev/ https://github.com/stanta Jordan Gitterman, CBDO, Cofounder, USA Jordan Gitterman has over 25 years of business management and finance experience https://www.linkedin.com/in/jordan-gitterman-8898bb5/ Serg Stepanets, PhD, CTO, cofounder Ukraine As well as an entrepreneur, PhD in medicine & IT with more than 15 years of experience in Ukraine. Expert in ERP systems. Programmer by hands in Python, JS, Solidity https://www.linkedin.com/in/sergey-stepanets-a7696b5a/ https://github.com/stepanetssergey