Minerva aims to decentralize payment processing. OWL is a smart token with built-in monthly auto-billing meant to open the subscription economy. It is a "decentralized fed" that employs a sustainable "reverse transaction fee" and a system of bonds for price steadying and positive feedback loops. Minerva plans to create scenarios where it is more beneficial to both buyer and seller to use crypto in place of traditional money. Its first use case is FreeWebcams.com, a $20mm revenue platform in the adult space but pivoting to integration with large, mainstream merchant processors is the ultimate goal. Minerva intends to bridge the gap between cryptocurrency and ecommerce to help accelerate the mainstream adoption of cryptocurrency.