> For the complete documentation index, see [llms.txt](https://whitepaper.peerhive.app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://whitepaper.peerhive.app/application-and-problems.md).

# Application and Problems

- [Banks and how they earn money](https://whitepaper.peerhive.app/application-and-problems/banks-and-how-they-earn-money.md)
- [Cryptocurrency and Exchanges](https://whitepaper.peerhive.app/application-and-problems/cryptocurrency-and-exchanges.md)
- [Issues with cryptos](https://whitepaper.peerhive.app/application-and-problems/issues-with-cryptos.md)