P2P technology

Independent financial activity of users is based on P2P technology. This allows a transaction to be executed without an intermediary organization or business entity, essentially as a private matter of the two parties involved in the transaction, without any space or time constraints.
In the SmartChain system (similar to BlockChain), a neutral third party is also required to verify the authenticity of transactions, but this is done by the automation randomly drawn member of phone-network, without personal interest.