/Docs/S/About/CDL/Problem_0.md
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Problem
Transacting is slow, insecure, uncertain and expensive.
  1. Problems of payment, clearing, automation and interoperability are being addressed by the FinTech and open source communities, notably in blockchain implementations.
  2. Legal compliance and optimization remain slow, uncertain and expensive.
  3. Data privacy and security remain weak.
  4. Centralization creates systemic risks.
  5. Legal codification is slow and fragmented.