Money is accounting and the corruption is underestimated.

What is needed is a common language to describe financial transactions. I solved this 8 years ago. It's a structured form of contract law.

Lawyers, IT, and finance can't screw it up. Nor can it be misrepresented by other languages or cultures.

IT people don't understand:

Law/contracts
Banking
Finance
Accounting
Money

Therefore, they need a standard protocol and data structure.