Episode 12 of Millennial Money Matters features Circle.com, a social payments app targeting students and young people. The app allows users to make, take and request payments in a friendlier way, using "softeners" like emojis, GIFs and so on. These payments are fee-free. Money can also be sent overseas using the inter-bank rate, and these transfers are made using blockchain protocols. Of course, the complexities of the underlying conversion machine doesn't make its way into Circle's user-facing marketing, but this is the place to learn about it!