International Bank Transfers are often called global ACH. However, in fact, the actual term ACH, which means the Automated Clearing House network, is the term for electronic funds transfers only in the United States and Canada. But, functionality, international bank transfers are analogous to ACH. Subconsciously creating space to create diversity and inclusiveness - we have just entered the era of blockchain and are still working on this technology. The creators in this field are younger and mostly white men. This is not conducive to creating an attractive environment for more diverse people, and diversity is needed to develop powerful global products. Positive economic profit is sometimes described as excess profit. It looks like a big box and has doors and Windows, which people call "box cars". It is named "sedan" in the catalog because it looks like the "sedan chair" of the European ladies used for travel and other occasions.