In Brazil the central bank has such system for free, it's called PIX and is so good and simple to use that some fintechs lost a good chunk of their market share. You only need your National ID or an email. It became even an expression "send me a pix"

There you go https://github.com/cristianoliveira/dotfiles/blob/cd1921ebda...

I stopped to read when you mentioned the origin of the guys... Sorry buddy there you lost the points of your argument

(3). Guido prefers Github ~deal with it~

Seriously, I like the idea. It will give visibility for who contribute and might bring some new contributors.

Error here.