---
title: "Meaning & Key Takeaway of: We're barely scratching the surface of…"
description: "\"We're barely scratching the surface of how people experience and utilize p2p payments, despite it being a multi-millennium-old behavior.\" — Jeremy Allaire"
image: "https://sms4smile.com/quotes/i/9f9/jeremy-allaire-21684_behavior_we-re-barely-scratching-the-surface-of-h_1605440.jpg"
---

#  We're barely scratching the surface of how people…

![“We're barely scratching the surface of how people experience and utilize p2p payments, despite it being a multi-millennium-old behavior.” quote by Jeremy Allaire](https://sms4smile.com/quotes/i/9f9/jeremy-allaire-21684_behavior_we-re-barely-scratching-the-surface-of-h_1605440.jpg)   [Download](https://sms4smile.com/quotes/i/9f9/jeremy-allaire-21684_behavior_we-re-barely-scratching-the-surface-of-h_1605440.jpg) [Open image](https://sms4smile.com/quotes/i/9f9/jeremy-allaire-21684_behavior_we-re-barely-scratching-the-surface-of-h_1605440.jpg)

> “We're barely scratching the surface of how people experience and utilize p2p payments, despite it being a multi-millennium-old behavior.”

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

## About This Quote

This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation.

Peer‑to‑peer payments are an ancient practice, yet modern technology only scratches their potential.

**In simple terms:** P2P payments are ancient and under‑explored.

Key Takeaway

Innovate beyond basic transactions.

Themes

finance technology history

Mood

analytical optimistic

Type

business forward‑looking

When to use this quote

- digital wallets
- cryptocurrency
- community banking

Key Concepts

economics network theory

Questions to Reflect On

- How can we expand P2P usage responsibly?
- What barriers exist today?

A Different Perspective

Regulation may limit rapid adoption.

★ ★ ★ ★ ★   No ratings yet

[Behavior](https://sms4smile.com/quotes/about/behavior/) [Being](https://sms4smile.com/quotes/about/being/) [Experience](https://sms4smile.com/quotes/about/experience/) [Habits](https://sms4smile.com/quotes/about/habits/) [Internet](https://sms4smile.com/quotes/about/internet/) [People](https://sms4smile.com/quotes/about/people/)

## Related quotes

> [“Clinging to old behavior is not an option. Being: Cells obey the universal cycle of rest”](https://sms4smile.com/quotes/deepak-chopra/clinging-to-old-behavior-is-not-an-option-being-cells-obey-the/)

[Deepak Chopra](https://sms4smile.com/quotes/author/deepak-chopra/)

> [The behavior of any bureaucratic organization can best be understood by assuming that it is controlled by a secret cabal of its enemies.](https://sms4smile.com/quotes/robert-conquest/the-behavior-of-any-bureaucratic-organization-can-best-be-understood/)

[Robert Conquest](https://sms4smile.com/quotes/author/robert-conquest/)

> [The strongest rebellion may be expressed in quiet, undramatic behavior.](https://sms4smile.com/quotes/benjamin-spock/the-strongest-rebellion-may-be-expressed-in-quiet-undramatic-behavior/)

[Benjamin Spock](https://sms4smile.com/quotes/author/benjamin-spock/)

> [I think we've told a lot of lies about human behavior through film.](https://sms4smile.com/quotes/patricia-arquette/i-think-we-ve-told-a-lot-of-lies-about-human-behavior-through-film/)

[Patricia Arquette](https://sms4smile.com/quotes/author/patricia-arquette/)

> [The tipping point is that magic moment when an idea, trend, or social behavior crosses a threshold, tips, and spreads like wildfire.](https://sms4smile.com/quotes/malcolm-gladwell/the-tipping-point-is-that-magic-moment-when-an-idea-trend-or-social/)

[Malcolm Gladwell](https://sms4smile.com/quotes/author/malcolm-gladwell/)

> [I started with the belief that every person who came to the laboratory was free to accept or to reject the dictates of authority.…](https://sms4smile.com/quotes/stanley-milgram/i-started-with-the-belief-that-every-person-who-came-to-the/)

[Stanley Milgram](https://sms4smile.com/quotes/author/stanley-milgram/)

> [The laws of thermodynamics, as empirically determined, express the approximate and probable behavior of systems of a great number of particles, or, more precisely,…](https://sms4smile.com/quotes/j-willard-gibbs/the-laws-of-thermodynamics-as-empirically-determined-express-the/)

J. Willard Gibbs

> [You don't put milk in chamomile tea - that's disgusting behavior! That's not right.](https://sms4smile.com/quotes/laura-fraser/you-don-t-put-milk-in-chamomile-tea-that-s-disgusting-behavior-that-s/)

[Laura Fraser](https://sms4smile.com/quotes/author/laura-fraser/)

> [To behave creatively in art means behavior with skill; and skill comes from discipline, not derangement. The artist who knows the rules -and proportion…](https://sms4smile.com/quotes/burne-hogarth/to-behave-creatively-in-art-means-behavior-with-skill-and-skill-comes/)

Burne Hogarth

> [The number of poor, and poorly prepared, students who succeed in college and beyond undercuts the simplistic notion that economic or educational disadvantage is…](https://sms4smile.com/quotes/roland-merullo/the-number-of-poor-and-poorly-prepared-students-who-succeed-in/)

[Roland Merullo](https://sms4smile.com/quotes/author/roland-merullo/)

> [“We are endowed with genes which code out our reaction to beavers and otters, maybe our reaction to each other as well. We are…](https://sms4smile.com/quotes/lewis-thomas/we-are-endowed-with-genes-which-code-out-our-reaction-to-beavers-and/)

[Lewis Thomas](https://sms4smile.com/quotes/author/lewis-thomas/)

> [“I now know that deep within the human concept is something dark, selfish, and completely willing to do whatever is necessary to support the…](https://sms4smile.com/quotes/melissa-west/i-now-know-that-deep-within-the-human-concept-is-something-dark/)

[Melissa West](https://sms4smile.com/quotes/author/melissa-west/)

> [As you begin changing your thinking, start immediately to change your behaviour. Begin to act the part of the person you would like to…](https://sms4smile.com/quotes/anonymous/as-you-begin-changing-your-thinking-start-immediately-to-change-your/)

[Anonymous](https://sms4smile.com/quotes/author/anonymous/)

> [By making conscious choices in our behavior and where we focus our attention, we can transform our experience of our body, decrease our biological…](https://sms4smile.com/quotes/deepak-chopra/by-making-conscious-choices-in-our-behavior-and-where-we-focus-our/)

[Deepak Chopra](https://sms4smile.com/quotes/author/deepak-chopra/)

> [The vision of the left, full of envy and resentment, takes its worst toll on those at the bottom - whether black or white…](https://sms4smile.com/quotes/thomas-sowell/the-vision-of-the-left-full-of-envy-and-resentment-takes-its-worst/)

[Thomas Sowell](https://sms4smile.com/quotes/author/thomas-sowell/)

## More by Jeremy Allaire

> [I want to help create the world's first global currency built on the Internet and built on open platforms and standards such as Bitcoin,…](https://sms4smile.com/quotes/jeremy-allaire/i-want-to-help-create-the-world-s-first-global-currency-built-on-the/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [Our view is that consumer finance - what people think of as retail finance - that arena is ripe for disruption. Bitcoin is absolutely…](https://sms4smile.com/quotes/jeremy-allaire/our-view-is-that-consumer-finance-what-people-think-of-as-retail/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [We really think of Bitcoin as a global, interoperable payment network instead of a store of value.](https://sms4smile.com/quotes/jeremy-allaire/we-really-think-of-bitcoin-as-a-global-interoperable-payment-network/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [With greater extensibility and programmability, bitcoin can evolve to enable transformations in how all forms of property are secured and exchanged, how voting and…](https://sms4smile.com/quotes/jeremy-allaire/with-greater-extensibility-and-programmability-bitcoin-can-evolve-to/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [I think there's a need for services that will make it easier for Chinese consumers to spend globally. The Bitcoin network could be an…](https://sms4smile.com/quotes/jeremy-allaire/i-think-there-s-a-need-for-services-that-will-make-it-easier-for/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [The big idea of, 'Hey, I can pay anyone, anywhere, with whatever digital wallet they have, and it just flows around the Internet' -…](https://sms4smile.com/quotes/jeremy-allaire/the-big-idea-of-hey-i-can-pay-anyone-anywhere-with-whatever-digital/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [Bitcoin may herald the dawning of a new age in currency. It holds superior traits as a form of 'good money.' As a tangible…](https://sms4smile.com/quotes/jeremy-allaire/bitcoin-may-herald-the-dawning-of-a-new-age-in-currency-it-holds/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [If you look at the trends, China very well could be the driver of the adoption of block chain consumer services.](https://sms4smile.com/quotes/jeremy-allaire/if-you-look-at-the-trends-china-very-well-could-be-the-driver-of-the/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [The focus around Circle China is really cross-border payments. If I'm a parent in China and my son is studying at London Business School,…](https://sms4smile.com/quotes/jeremy-allaire/the-focus-around-circle-china-is-really-cross-border-payments-if-i-m/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [Social messaging has become the defining app of the smartphone era. Social payments has been a natural extension of this phenomenon - it's going…](https://sms4smile.com/quotes/jeremy-allaire/social-messaging-has-become-the-defining-app-of-the-smartphone-era/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [The Internet requires evolved forms of governance that we haven't figured out as a planet. I'd love to help make that easier and make…](https://sms4smile.com/quotes/jeremy-allaire/the-internet-requires-evolved-forms-of-governance-that-we-haven-t/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [The blockchain is to money what SMTP is to email. It's an open way to move value around. Every existing player in this space…](https://sms4smile.com/quotes/jeremy-allaire/the-blockchain-is-to-money-what-smtp-is-to-email-it-s-an-open-way-to/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [Pretty uniformly, people want the benefits of bitcoin and the blockchain - near-instant transfers, globally available on any Internet-connected device, highly secure, and nearly-free…](https://sms4smile.com/quotes/jeremy-allaire/pretty-uniformly-people-want-the-benefits-of-bitcoin-and-the/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [We'd love to see a world where Venmo added support on the blockchain, then a Circle customer could pay a Venmo customer using their…](https://sms4smile.com/quotes/jeremy-allaire/we-d-love-to-see-a-world-where-venmo-added-support-on-the-blockchain/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

> [By design, Bitcoin is a scarce resource with a predictable supply of new issuance. And it is this scarcity and predictable supply that make…](https://sms4smile.com/quotes/jeremy-allaire/by-design-bitcoin-is-a-scarce-resource-with-a-predictable-supply-of/)

[Jeremy Allaire](https://sms4smile.com/quotes/author/jeremy-allaire/)

[Explore all 28 Jeremy Allaire quotes ](https://sms4smile.com/quotes/author/jeremy-allaire/)

## More Behavior quotes

> [The vision of the left, full of envy and resentment, takes its worst toll on those at the bottom - whether black or white…](https://sms4smile.com/quotes/thomas-sowell/the-vision-of-the-left-full-of-envy-and-resentment-takes-its-worst/)

[Thomas Sowell](https://sms4smile.com/quotes/author/thomas-sowell/)

> [By making conscious choices in our behavior and where we focus our attention, we can transform our experience of our body, decrease our biological…](https://sms4smile.com/quotes/deepak-chopra/by-making-conscious-choices-in-our-behavior-and-where-we-focus-our/)

[Deepak Chopra](https://sms4smile.com/quotes/author/deepak-chopra/)

> [As you begin changing your thinking, start immediately to change your behaviour. Begin to act the part of the person you would like to…](https://sms4smile.com/quotes/anonymous/as-you-begin-changing-your-thinking-start-immediately-to-change-your/)

[Anonymous](https://sms4smile.com/quotes/author/anonymous/)

> [“I now know that deep within the human concept is something dark, selfish, and completely willing to do whatever is necessary to support the…](https://sms4smile.com/quotes/melissa-west/i-now-know-that-deep-within-the-human-concept-is-something-dark/)

[Melissa West](https://sms4smile.com/quotes/author/melissa-west/)

> [“We are endowed with genes which code out our reaction to beavers and otters, maybe our reaction to each other as well. We are…](https://sms4smile.com/quotes/lewis-thomas/we-are-endowed-with-genes-which-code-out-our-reaction-to-beavers-and/)

[Lewis Thomas](https://sms4smile.com/quotes/author/lewis-thomas/)

> [The number of poor, and poorly prepared, students who succeed in college and beyond undercuts the simplistic notion that economic or educational disadvantage is…](https://sms4smile.com/quotes/roland-merullo/the-number-of-poor-and-poorly-prepared-students-who-succeed-in/)

[Roland Merullo](https://sms4smile.com/quotes/author/roland-merullo/)

> [To behave creatively in art means behavior with skill; and skill comes from discipline, not derangement. The artist who knows the rules -and proportion…](https://sms4smile.com/quotes/burne-hogarth/to-behave-creatively-in-art-means-behavior-with-skill-and-skill-comes/)

Burne Hogarth

> [You don't put milk in chamomile tea - that's disgusting behavior! That's not right.](https://sms4smile.com/quotes/laura-fraser/you-don-t-put-milk-in-chamomile-tea-that-s-disgusting-behavior-that-s/)

[Laura Fraser](https://sms4smile.com/quotes/author/laura-fraser/)

> [The laws of thermodynamics, as empirically determined, express the approximate and probable behavior of systems of a great number of particles, or, more precisely,…](https://sms4smile.com/quotes/j-willard-gibbs/the-laws-of-thermodynamics-as-empirically-determined-express-the/)

J. Willard Gibbs

> [I started with the belief that every person who came to the laboratory was free to accept or to reject the dictates of authority.…](https://sms4smile.com/quotes/stanley-milgram/i-started-with-the-belief-that-every-person-who-came-to-the/)

[Stanley Milgram](https://sms4smile.com/quotes/author/stanley-milgram/)

> [The tipping point is that magic moment when an idea, trend, or social behavior crosses a threshold, tips, and spreads like wildfire.](https://sms4smile.com/quotes/malcolm-gladwell/the-tipping-point-is-that-magic-moment-when-an-idea-trend-or-social/)

[Malcolm Gladwell](https://sms4smile.com/quotes/author/malcolm-gladwell/)

> [I think we've told a lot of lies about human behavior through film.](https://sms4smile.com/quotes/patricia-arquette/i-think-we-ve-told-a-lot-of-lies-about-human-behavior-through-film/)

[Patricia Arquette](https://sms4smile.com/quotes/author/patricia-arquette/)

> [The strongest rebellion may be expressed in quiet, undramatic behavior.](https://sms4smile.com/quotes/benjamin-spock/the-strongest-rebellion-may-be-expressed-in-quiet-undramatic-behavior/)

[Benjamin Spock](https://sms4smile.com/quotes/author/benjamin-spock/)

> [The behavior of any bureaucratic organization can best be understood by assuming that it is controlled by a secret cabal of its enemies.](https://sms4smile.com/quotes/robert-conquest/the-behavior-of-any-bureaucratic-organization-can-best-be-understood/)

[Robert Conquest](https://sms4smile.com/quotes/author/robert-conquest/)

> [If you want good behavior, don't pay on a commission basis. Our judges aren't paid so much a case. We keep them pretty well…](https://sms4smile.com/quotes/charlie-munger/if-you-want-good-behavior-don-t-pay-on-a-commission-basis-our-judges/)

[Charlie Munger](https://sms4smile.com/quotes/author/charlie-munger/)

[Browse all 4,218 Behavior quotes ](https://sms4smile.com/quotes/about/behavior/)

```json
{
    "@context": "https://schema.org",
    "@graph": [
        {
            "@type": "Quotation",
            "text": "We're barely scratching the surface of how people experience and utilize p2p payments, despite it being a multi-millennium-old behavior.",
            "creator": {
                "@type": "Person",
                "name": "Jeremy Allaire"
            },
            "isPartOf": {
                "@id": "https://sms4smile.com/quotes/#website"
            },
            "url": "https://sms4smile.com/quotes/jeremy-allaire/we-re-barely-scratching-the-surface-of-how-people-experience-and/",
            "about": {
                "@type": "Thing",
                "name": "Behavior"
            },
            "@id": "https://sms4smile.com/quotes/jeremy-allaire/we-re-barely-scratching-the-surface-of-how-people-experience-and/#quotation",
            "image": {
                "@type": "ImageObject",
                "@id": "https://sms4smile.com/quotes/i/9f9/jeremy-allaire-21684_behavior_we-re-barely-scratching-the-surface-of-h_1605440.jpg",
                "contentUrl": "https://sms4smile.com/quotes/i/9f9/jeremy-allaire-21684_behavior_we-re-barely-scratching-the-surface-of-h_1605440.jpg",
                "url": "https://sms4smile.com/quotes/i/9f9/jeremy-allaire-21684_behavior_we-re-barely-scratching-the-surface-of-h_1605440.jpg",
                "width": 1080,
                "height": 1080,
                "caption": "“We're barely scratching the surface of how people experience and utilize p2p payments, despite it being a…” — Jeremy Allaire",
                "creditText": "SMS4Smile Quotes",
                "creator": {
                    "@id": "https://sms4smile.com/quotes/#organization"
                }
            }
        },
        {
            "@type": "BreadcrumbList",
            "itemListElement": [
                {
                    "@type": "ListItem",
                    "position": 1,
                    "name": "Home",
                    "item": "https://sms4smile.com/"
                },
                {
                    "@type": "ListItem",
                    "position": 2,
                    "name": "Quotes",
                    "item": "https://sms4smile.com/quotes/"
                },
                {
                    "@type": "ListItem",
                    "position": 3,
                    "name": "Jeremy Allaire",
                    "item": "https://sms4smile.com/quotes/author/jeremy-allaire/"
                },
                {
                    "@type": "ListItem",
                    "position": 4,
                    "name": "We're barely scratching the surface of...",
                    "item": "https://sms4smile.com/quotes/jeremy-allaire/we-re-barely-scratching-the-surface-of-how-people-experience-and/"
                }
            ],
            "@id": "https://sms4smile.com/quotes/jeremy-allaire/we-re-barely-scratching-the-surface-of-how-people-experience-and/#breadcrumb"
        },
        {
            "@type": "WebSite",
            "@id": "https://sms4smile.com/quotes/#website",
            "name": "SMS4Smile Quotes",
            "url": "https://sms4smile.com/quotes/",
            "publisher": {
                "@id": "https://sms4smile.com/quotes/#organization"
            }
        },
        {
            "@type": "Organization",
            "@id": "https://sms4smile.com/quotes/#organization",
            "name": "SMS4Smile Quotes",
            "url": "https://sms4smile.com/quotes/",
            "logo": {
                "@type": "ImageObject",
                "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png",
                "width": 512,
                "height": 512
            }
        }
    ]
}
```