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the life of the president.

Perhaps the most famous,

if flawed, oracle of the

Federal

Reserve,

former

chairman Alan Greenspan,

knew

that

money

was

something that not only

central bankers could create.

In a speech in 1996, just as

the

Cypherpunks

were

pushing forward with their

experiments, Greenspan said

that he imagined that the

technological

revolution

could bring back the potential

for private money and that it

might actually be a good

thing:

“We

could

envisage

proposals in the near future

for issuers of electronic

payment obligations, such as

stored-value cards or ‘digital

cash,’ to set up specialized

issuing

corporations

with

strong balance sheets and

public credit ratings.”

IN THE YEARS right after

Greenspan’s speech, there

was a flurry of activity in the

Cypherpunk world. In 1997 a

British

researcher

named

Adam Back released on the

Cypherpunk mailing list his

plan for something he called

hashcash, which solved one

of the most basic problems

holding back the digital-cash

project:

the

seeming

impossibility of creating any

sort of digital file that can’t

be endlessly copied.

To solve this problem,

Back had a clever idea, which

would later be an important

building block for the Bitcoin

software.

Back’s

concept

made creative use of one of

the central cogs of public-key

cryptography: cryptographic

hash functions. These are

math equations that are easy

to solve but hard to reverse-

engineer,

just

as

it

is

relatively easy to multiply

2,903 and 3,571 using a piece

of paper and pencil, but

much, much harder to figure

out what two numbers can be

multiplied together to get

10,366,613. With hashcash,

computers essentially had to

figure out which two numbers

can be multiplied together to

get 10,366,613, though the

problems for hashcash were

significantly harder than that.

So hard, in fact, that all a

computer could do was try

out lots of different guesses

with the aim of eventually

finding the right answer.

When a computer found the

right answer, it would earn

hashcash.

The creation of hashcash

through this method was

useful in the context of digital

money because it ensured that

hashcash would be scarce—a

characteristic of most good

money but not of digital files,

which are generally easily

duplicated. A computer had

to perform lots of work to

create each new unit of

hashcash, earning the process

the name “proof-of-work”—

something that would later be

a

central

innovation

underpinning Bitcoin. The

main problem with Back’s

system, as a type of digital

money,

was

that

each

hashcash unit could be used

only once and everyone in the

system needed to create new

units whenever they wanted

to use any. Another problem

was that a person with

unlimited computing power

could produce more and more

hashcash and reduce the

overall value of each unit.

A year after Back released

his program, two different

members of the Cypherpunk

list came up with systems that

solved some of hashcash’s

shortcoming, creating digital

tokens that required a proof-

of-work, but that could also

be reused. One of these, a

concept called bit gold, was

invented by Nick Szabo, a

security

expert

and

Cypherpunk who circulated

his idea to close collaborators

like Hal Finney in 1998, but

never actually put it into

practice. Another, known as

b-money, came from an

American named Wei Dai.

Hal created his own variant,

with a decidedly less sexy

name: reusable proofs of

work, or RPOWs.

The conversation around

these

ideas

on

the

Cypherpunk list and among

related

groups

sometimes

resembled the bickering of

rivalrous brothers trying to

one-up each other. Szabo

would

snipe

at

other

proposals, saying that they all

relied

too

much

on

specialized

computer

hardware instead of software.

But these men—and they

were all men—also built up

deep respect for each other.

And

even

as

their

experiments

failed,

their

ambitions grew beyond just

anonymous money. Among

other things, Back, Szabo,

and

Finney

sought

to

overcome the costs and

frustrations of the current

financial system in which

banks charged fees with

every transaction and made it

difficult to move money over

international borders.

“What we want is fully

anonymous,

ultra

low

transaction cost, transferable

units of exchange. If we get

that going (and obviously

there are some people trying

DigiCash, and a couple of

others),

the

banks

will

become

the

obsolete

dinosaurs they deserve to

become,” Back told the

Cypherpunk list soon after

releasing hashcash.

The Cypherpunk seekers

were given a platonic ideal to

shoot for when science fiction

writer

Neal

Stephenson

published

his

book

Cryptonomicon in 1999. The

novel,

which

became

legendary in hacker circles,

imagined

a

subterranean

world that was fueled by a

kind of digital gold that

allowed people to keep their

identities private. The novel

included lengthy descriptions

of the cryptography that made

it all possible.

But the experiments that

the Cypherpunks were doing

in the real world continued to

hit practical hurdles. No one

could figure out a way to

create money without relying

on a central institution that

was vulnerable to failure or

government oversight. The

experiments also suffered

from a more fundamental

difficulty, which was the

issue of getting people to use

and value these new digital

tokens. By the time Satoshi

Nakamoto came onto the

scene, history had made many

of Bitcoin’s most likely fans

very jaded. The goal of

creating

digital

money

seemed as much of a dream

as turning coal into diamonds.

IN AUGUST 2008 Satoshi

emerged out of the mists in

an e-mail sent to the creator

of hashcash, Adam Back,

asking him to look at a short

paper describing something

called Bitcoin. Back hadn’t