To understand the future of money and transactions, one must understand the nature of currency. Foremost, it is not real. A coin, a paper bill, a debit or credit card hold no value as objects. Currency has always been a form of data. Currency is the first digital revolution, started to turn it into what we now think of as traditional data. That has set us up for the second digital evolution of currency: where mobile technology and the cloud once again change how people make transactions.