Electronic cryptocurrencies, like Bitcoin, will disrupt money finance as we know it. These currencies have the potential to create peer-to-peer money without the need for government regulation. Cryptocurrencies can also be used for companies going public without going to the stock exchange. That radically changes the way companies get funded. An initial public offering (IPO) becomes an initial coin offering (ICO). Over the last 14 months, more than 60 startups used this method to raise over $250 million for their own business efforts. Not an easily accessible topic, but it’s time we start paying attention.