It originated in a document that was called "Accelerated system of transactions with virtual currencies", the same made presence in the name of paypal this indicates to the creators Cheng Tian and Sandy Lynn Godsey. The protocol proposed the creation of secondary portfolios, with its own private key, which will be centrally associated with the main portfolio of the parties that may exist
After this, each secondary portfolio will be configured with a fixed amount of coins depending on certain rules or standards that will be determined at another time when sending the payment to the seller electronically, one of these secondary portfolios will be selected. after the transaction has been made, some value can be determined towards any existing change between the cryptocurrency hosted in the account or sexton and a fiat to see what amount will be transferred
In the aforementioned document, the growth of cryptocurrencies stands out and is emphasized, and this is due to its decentralized and derailed nature. It states that "virtual currencies such as Bitcoin have revolutionized money transfers and payment technologies by allowing transfers of economic value. from person to person".