CDs, known as Certificates of Deposit or Time Deposits, are worth Trillions of dollars. CDs are worth more than gold, credit card companies, and cash. CDs pay higher interest than savings accounts, requiring money be deposited for a fixed time. Banks profit on poor customer service, early withdrawal fees, and auto-renewing you at worse rates. HEX replaces inefficient currencies, banks and payment networks with verifiably secure peer-to-peer technology. HEX takes the profit out of banks and government money printing and gives it to HEX holders.