Paidpiper launched at Disrupt NY today, aiming to make your physical wallet, and presence, less necessary — in a good way.

At the beginning of my freshman fall at Stanford I was wandering around campus with a lanyard around my neck buying books, a bike, a mini fridge and more. Not destined to be an accounting major, I forgot to check to make sure I had enough money in my account, so I had to wait for my mom to transfer money to me before I was able to buy an Intro to Humanities book that served as a top-notch coaster.