“What we are doing is taking economic activity out of institutions. Over the past one hundred years we have evolved into an organization economy, one where most economic activity is mediated by large companies and we are starting to shift the activity into some of these decentralized peer-to-peer communities which are largely market- based, which are based on digital platforms that are sitting between people who have stuff, or have labor, or have money and people who need it” – Prof. Arun Sundararajan NYU