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The HBD transfer by cheque allows the P2P exchange of balances without a direct internet connection. Of course, for the balance to be usable it must be verified in the Mint that it is a valid transfer.

Right now about 40% or more of Cuban households do not have electricity, and when there is no electricity there is almost always no connection to mobile data or internet services, so any way that allows the transfer of value, especially in shops is appreciated.