What an inspiring vision! It's truly refreshing to see a company like Luno committed to not just innovating within the financial industry, but also striving towards a greater purpose of empowering individuals worldwide. The idea of upgrading the financial system to something more inclusive, efficient, and accessible resonates deeply in today's rapidly evolving digital landscape.

I particularly appreciate Luno's emphasis on leveraging technology to make a positive impact on all members of society, regardless of their background or location. It's heartening to see a focus on lowering the cost of living, providing better economic opportunities, and increasing financial freedom for billions of people around the globe.

Moreover, the recognition that transitioning to this new financial system is not just inevitable, but also an opportunity for positive change, is both insightful and encouraging. The commitment to driving this change with a combination of focus, effort, and what you aptly term "Moontality" is truly commendable.

Thank you for sharing your vision with the world, Luno. I'm excited to see how your journey unfolds and am eager to join in driving this positive evolution towards a better financial future for everyone.