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Minerva is a reverse merchant processor. They pay transaction fees to approved businesses integrated within the Minerva economy, they don't charge them. Minerva is a platform designed to incentivize the adoption of its OWL token with a new and disruptive economic model. Minerva introduces advanced methods to combat violent short-term price swings and rewards the companies that accept it at a variable rate to reduce volatility. It is both a platform with a tangible economic model as well as a cryptocurrency.