The new economy will be more beautiful than ever before. We are reaching the end of an era and entering a new and revolutionary era of economic reform. Our new economy takes into account and facilitates network effects, uses algoraithmic trading, analysis, and financial instruments related to time that money has been in your account. The flow of money in the form of transactions flows in accordance or in tandem with information/data flows. It uses AI to assist consumers and businesses in cutting costs and gaining economic mobility and wealth.