The global payment system isn't broken, but the banks running it are. George Davis, CEO of Lorum, reveals how legacy giants like Citi and J.P. Morgan are incentivized to slow down your money to capture interest, leaving a massive opening for a new breed of 100% reserve-backed clearing banks. By rebuilding the fundamental clearing stack and fixing the 'broken' world of international dollar settlement, Lorum is chasing an $80 billion opportunity that most fintechs are too afraid to touch.