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5G Cellular, Digital Payments, and Digital Currency

The lure and trap of modern convenience and security

Big Tech and Big Government want us to trust their promises of convenience and security as 5G cellular makes mobile payments and digital currency a global possibility.

In the first two installments of this three-part series (Part 1 and Part 2), I briefly covered the IMF’s ongoing attempt to delegitimize crypto assets while simultaneously promoting the benefits of – and growing need for – adopting its own digital currency and possibly blockchain technology and cryptography.  Then, in tandem with a third-party article published on this site but originally posted on, we explored the promised utility of blockchain technology.

The bottom line from the first two articles is that technology is advancing and just about everything is going to be affected, from real estate to food and manufacturing supply chains and ultimately digital payments.  The promise, we are being sold told, is that life will be easier and more secure primarily because we will be able to trust the technology rather than having to place (unfounded) trust in individuals or institutions.

Despite the promises of advanced cryptography, blockchain technology is not impervious.  It is still susceptible to hackers, and its transactions are not anonymous.  Even if it was perfectly safe, it still needs a universal method of delivery.  That’s where the integration of additional technology comes into play.

In an article I wrote on January 9th, I discussed the imminent rollout of 5G cellular technology and its promise of faster speeds and greater capacity for the integration of the Internet of Things.  Futurists see a world where all manner of appliances and devices will be able to seamlessly communicate.  In fact, most of the technology already exists to control just about anything from your mobile phone: Online banking, mobile payments, remote start for automobiles, door locks, lights, HVAC, remote security, kitchen appliances, you name it.  In fact, you can get a whole smart house package to integrate most of them into one interface.

The problem is that current technology is unable to sustain the universal adoption of the Internet of Things.  5G cellular technology is the first step toward making the Internet of Things and global mobile payments systems a reality.  First, because it promises to greatly increase the capacity of devices it can handle without a negative impact on speed, but also because of the global coverage anticipated.

Global coverage will be twofold.  First, massive satellite networks are already being deployed.  Some will be dedicated to 5G, while others will be for the Internet in general.  In November, the FCC approved the deployment of more than 7,000 satellites to service U.S. entities alone (see below).



The second aspect of global coverage is due to the nature of 5G short-burst technology, and the need for more transmitters and receivers in closer proximity, partly due to its targeted signals, but also due to their inability to penetrate solid objects.  Where obstacles interfere, the signal would need to be redirected, meaning more antennas, especially in densely congested urban areas.

Now, reconsider a few interrelated aspects of the IMF’s view of currency evolution.  They recognize the disruption crypto currencies have caused to their fiat currency monopoly.  They also recognized the rapid acceptance of digital commerce and digital payments, even in developing nations like Kenya and China.

From their own F&D magazine cover image (below), you can see their expectations.   We started with physical currencies and then advanced to the predominant use of debit and credit cards.  Now, we are in the next stage of development as we migrate from cards to mobile transactions that are still based on fiat currency, and eventually mobile payments based on digital/crypto currencies.

With global access and global acceptance, mobile payments and digital currency seem to be the future of commerce.  But, it doesn’t end there.

5G technology also promises to resurrect RFID technology by allowing it to realize its full potential.  Originally, RFID technology was supposed to be industry’s portal to the Internet of Things so supply chains and inventories could be interlinked and tracked.  Unfortunately, it never fully matured.  With the global network of satellites, transmitters, and receivers necessary to implement 5G, RFID has new hope.

Back in 2013, there was also a lot of hype in the tech world regarding two other technologies being developed by Motorola, which was owned by Google at the time.  One was a wearable microphone “tattoo” that could be placed on the throat and connect to your phone, so you could talk in a noisy environment without background noise interference.  The other was a wearable authentication “tattoo” that could replace password authentication.

At the heart of Google’s push for that type of technology was former DARPA (Defense Advanced Research Projects Agency) head, Regina Dugan.  From Google, Ms. Dugan went to Facebook until early 2018.  In the video below, she discussed the benefits of the wearable tattoo along with an ingestible authenticator.

Did you notice the target market of the technology?  Ages ten to twenty.  That was 2013, so they would be 16-26 now.  They know the older generations are less receptive to this type of technology so they’re targeting Millennials and younger.  Did you notice the moderator’s comment about design choices to make them more marketable?

The video below further showcases the development and utility of the wearable tattoos.

In case you didn’t watch the video, it describes the advancements of flexible silicone circuitry, how long it took to master the technology, and its potential to advance medicine.

Unfortunately, there is a problem with the wearable tattoo technology they’re not acknowledging.  They’re not permanent.  They may adhere without adhesives, which is a tremendous breakthrough in its own right, but they are not permanent, meaning they would have to be mass produced and inexpensive enough to be considered disposable.  And, since they are not permanent, they could be stolen.

What if there was a way to combine the overall utility of the Internet of Things, RFID technology, digital currency and mobile payments with the secure backbone of blockchain technology, cryptography, and authentication in a way that would be permanent and have dual means of authentication?

The first stop along the way would be to make the tech permanent after it’s widely accepted as a wearable.  That’s where the Digital Mouse RFID tattoo technology developed by SensaLab comes into play.  When I first started tracking their technology in 2006, it was under the name Somark Innovations and had no legitimate application.  It was simply an RFID tattoo.  Now, they use it to track laboratory animals.

Utilizing RFID impregnable ink, Google’s dream of wearable “tattoos” could become permanent tattoos.  But, they could still benefit from another layer of authentication to prove the tattoo and database it connects to are attached to the authorized user.

With the requirements established by the Real ID Act of 2005 (below), which is promoted as an anti-terrorism tool (and just happens to coincide with the year the wearable tattoos began development), government agencies have adopted technologies and databases so the high-resolution pictures on the IDs can be used as a biometric map for facial recognition software.

Real ID Act of 2015


Of course, other forms of biometric identification would be DNA, voice recognition, fingerprints or finger/hand geometry, iris or retinal scans, and signatures.  Facial recognition is most popular with government agencies, however, because it may be utilized even while the subject is not aware they’re being scanned.

This is not science fiction.  We already have a way to secure the technology via permanent RFID tattoos, with it dually authenticated via biometrics and a database protected via blockchain technology and cryptography.

5G cellular technology is just the next step in the evolution of technology that coincides with the IMF’s view of the evolution of currency.  Google’s vision for wearable tech is just one step toward the normalization of technology that will eventually be made permanent.

People are already trying to leapfrog their way toward mass acceptance and delivery of permanent wearable technology, as seen in the video below that I’ve linked to in the past.

How does this align with another aspect of what IMF Managing Director Christine Lagarde said?

To do our jobs properly, we must understand the innovative technologies, learn from them, and perhaps even adopt some of them to improve regulation, supervision, and surveillance. (Source: Lagarde, Christine. “A Regulatory Approach to Fintech.” Finance & Development, vol. 55, no. 2, June 2018, p. 10 – emphasis mine)

Notice how casually she lays out the path for the global elites to step in and take over everything I’ve been highlighting: Understand and learn from the technology, then adopt it, regulate it, supervise it, and surveil it.  How does Director Lagarde imagine the surveillance working?

Central banks might design digital currency so that users’ identities would be authenticated through customer due diligence procedures and transactions recorded. But identities would not be disclosed to third parties or governments unless required by law. … Anti-money laundering and terrorist financing controls would nevertheless run in the background. If a suspicion arose it would be possible to lift the veil of anonymity and investigate.  (emphasis mine)

That’s an excerpt from her speech, Winds of Change, delivered at the Singapore Fintech Festival November 14, 2018, which I included in its entirety in the first installment of this series.  Make no mistake, their concept of surveillance also comes with the full weight of international cooperation and enforcement at the local level.

The Financial Action Task Force, a global standard-setting body, has already provided guidance to its members on how they should address money-laundering and terrorist-financing risks associated with crypto assets.  The Financial Stability Board (FSB), which coordinates financial regulation for the Group of 20 (G20) largest advanced and emerging economies, is studying ways to monitor the growth of crypto assets with an eye toward identifying emerging threats to stability.  (Source: Lagarde, Christine. “A Regulatory Approach to Fintech.” Finance & Development, vol. 55, no. 2, June 2018, p. 10 – emphasis mine)

The Financial Action Task Force (FATF) is an inter-governmental body established in 1989…  The objectives of the FATF are to set standards and promote effective implementation of legal, regulatory and operational measures for combating money laundering, terrorist financing and other related threats to the integrity of the international financial system.  The FATF is therefore a “policy-making body” which works to generate the necessary political will to bring about national legislative and regulatory reforms in these areas.

The FATF has developed a series of Recommendations that are recognised as the international standard for combating of money laundering and the financing of terrorism and proliferation of weapons of mass destruction.  They form the basis for a co-ordinated response to these threats to the integrity of the financial system and help ensure a level playing field.  First issued in 1990, the FATF Recommendations were revised in 1996, 2001, 2003 and most recently in 2012 to ensure that they remain up to date and relevant, and they are intended to be of universal application.  (Source: – emphasis mine)

Surveillance would be easy enough given the tech we’ve already explored, but the final video below puts the concept of Surveillance State in a whole new light, as Planet Lab CEO Will Marshall explains his company’s compact Dove satellites and how they will literally map the entire “spaceship Earth” we live on every 24 hours.  It will be, as he describes it, ”A line scanner for the planet.”

Imagine if the entire fleet of thousands of satellites already authorized for Broadband Internet and 5G cellular – or their successors – could also incorporate the compact digital photography capabilities touted by Planet Lab.  They would be able to surveil the entire planet 24/7 in real time, both visually and via an electronic tether, and, combined with blockchain-backed digital currencies, they would be able to control every aspect of commerce.

Now, put that into perspective with what the Apostle John wrote in the book of Revelation.

Also it causes all, both small and great, both rich and poor, both free and slave, to be marked on the right hand or the forehead, so that no one can buy or sell unless he has the mark, that is, the name of the beast or the number of its name. (Revelation 13:16-17 ESV)

As I’ve written before, the word “mark” in the passage above is translated from the Greek word charagma (χάραγμα), literally meaning a scratching or etching.  So, the implementation of Big Tech and Big Government’s vision of the future taking the form of a tattoo would definitely fit, but please don’t be deceived by the promise of ease, convenience, and security.  It’s not worth it.

If anyone worships the beast and its image and receives a mark on his forehead or on his hand, he also will drink the wine of God’s wrath, poured full strength into the cup of his anger, and he will be tormented with fire and sulfur in the presence of the holy angels and in the presence of the Lamb. (Revelation 14:9-10 ESV)

Be cautious as the technology unfolds.  Life is short.  Eternity is not.

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One Comment

  1. Great article! The concept sounds wonderful. Just think how this would stop election voting by illegal voters. This would stop so much crime. How wonderful it sounds. The only problem with it is God’s warning if you choose to take part in it. So many have not read the Bible or they choose not believe it. Ignorance of the law is no excuse either by our Country’s laws or by God’s laws.

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