Take the barber on the block.
He cuts hair for $5 a head. His clients keep money in their own DIRD accounts, and after a cut they transfer him five real dollars — person to person, by ID number. Over a month it adds up to a real balance sitting in his account.
His wife needs to cover a bill? He sends money straight to her, minus a small transfer fee. And the day he's released, he doesn't walk out with pennies on the dollar — he walks out with everything he earned, ready to withdraw for a real second chance.
Every transfer passes a human review before it moves, and every dollar is logged. Instant card access to your balance is coming soon.