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Rain lashed against my Mumbai hotel window like angry spirits as I stared at my buzzing phone. My younger brother's frantic voice crackled through the storm interference: "The venue manager just doubled the deposit - cash now or we lose everything by sunset." My carefully budgeted envelope of rupees suddenly felt like worthless paper. Traditional banking? I'd rather wrestle the monsoon itself. That three-hour queue last week at the international transfer branch flashed before me - stamped forms,

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