I imagine this is intended (though if it's AI-generated "intended" doesn't really apply) as a reference 1999's Cryptonomicon https://en.wikipedia.org/wiki/Cryptonomicon

From that Wikipedia summary:

> Their goal is to facilitate anonymous Internet banking using electronic money and (later) digital gold currency

Ah, yeah, I missed that one.

Digital Cash was invented by David Chaum in 1982, and developed by his company DigiCash in 1990. I read about it years before Cryptonomicon.