Distributed ledgers imply peer-banking services offered by every network node to others for a small fee. Money becomes an accounting ledger running on a distributed computer network, a transaction, credit, and payment graph. Digitized money and payments, and activity possibly being securely forward-committed in payment contracts, suggests that the economy could settle on the basis of net rather than gross transfers. A net-clearings contracts-for-difference economy could enable us to rethink debt, replacing crippling monolithic capital structures with streaming money disgorged in smaller chunks that are more closely tied to costs and repayment possibilities. Pre-paid consumption and 30-60-90 day vendor credit terms models could be offset to facilitate a directed payment graph economy of just-in-time money. A wide slate of contemporary economic challenges might be addressed including health care price rationalization, global energy management, entitlements, and the automation economy.