Bloch emphasizes the real compliance, money-movement and servicing costs of fintech, describing them as the gravity of finance.Counterpoint to assuming financial products scale at zero marginal cost.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse