Hybrid Money is a regulated currency. Regulated means accepted by governments and/or central banks to operate within countries as a financial instrument. First Currency (Hybrid Money), is a combination of traditional banking(FIAT), and digital money(web money). First Currency is a legal brand of Cluster Holdings. It includes technology, products, services and marketing programs that facilitate the electronic exchange of information and funds among financial institutions, merchants, consumers, businesses, non-profits organisations and governments.