Subject: File Number SR-CboeBZX2018-040
From: A. Darsch
Affiliation:

Sep. 20, 2018

To Whom It May Concern: 


Bitcoin and alternative cryptocurrency is the most amazing technology created since the advent of the Internet.  Cryptocurrency is safe and secure.   


Cryptocurrency, simply stated, is an INSTANT WIRE of funds from a smartphone via Coinbase or other wallet anyone can make from the comfort of their home for an Amazon purchase, to pay bills, etc.  Overstock already understands it and accepts it.  What's not to like?   


Think of it:  payment of bills, etc., with the click of a QR code on your smartphone.  Complete a purchase on Amazon with the click of a smartphone QR code. 


Just think--anyone with a smartphone can be sent money to purchase needed items.  This would be so helpful to the millions of people who are suffering without banking around the globe; the possibilities are endless.   


Please approve these ETFs!!   Be on the forefront of this technology!  The banks are already using it; PNC just began to use Ripple.  IBM has been using  
Stellar for over a year for cross-border payments.  


Sincerely, 


A Darsch