> For the complete documentation index, see [llms.txt](https://nu0-1.gitbook.io/nu-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://nu0-1.gitbook.io/nu-whitepaper/what-problem-is-nublock-solving.md).

# What Problem is nuBlock Solving?

nuBlock is an orchestration layer for global payments. A decentralized ecosystem that gives anyone, anywhere, seamless access to internet money. That means connecting everyday consumers to businesses, and everyday spending to borderless value. Unlike traditional ecosystem, with higer fees, nuBlock provides payments, and swaps for a fraction of the global average transaction fee 6.3% without the friction, delays, or bare to entry into traditional financial rails.

As a non-custodial ecosystem, nuBlock never holds user funds. Every person retains full custody and control of their financial experience and digital assets. It is their money, their keys, their decisions. This is an infrastructure that hands full financial agency back to the user. That's what real financial inclusion looks like, not just cheaper access, but genuine ownership.

nuBlock removes that barrier with a streamlined, secure payment infrastructure not just for individuals but also businesses to integrate developer tools, making it dramatically easier to build and ship digital payment solutions. Returning merchant fees back to business to retain the 12T deficit that is lost between merchant transaction each year. nuBlock gives value onchain to business owners, providing more savings to increase profit margins. 

The new way of finance is decentralized and onchain!

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