One of the founders of NavCoin is New Zealander, Craig MacGregor.
NavCoin is a decentralised cryptocurrency that uses peer-to-peer technology to operate with no central authority or banks; managing transactions and the issuing of NavCoin is carried out collectively by the network. NavCoin is open-source; its design is public, nobody owns or controls NavCoin and everyone can take part.
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Stellar is a common financial platform that is designed to be open and accessible to everyone.