As eBay gathers steam, a libertarian chess champion and a programmer who fled Communist Ukraine team up to change the world with their encryption software. But when their plan to piggyback on the ubiquitous Palm Pilot hits a snag, they stumble upon a new idea. The concept is so revolutionary, it will change the landscape of e-commerce and turn the fledgling company into a viral phenomenon. There’s just one problem. PayPal is set on a collision course with the one company it needs to succeed: eBay.

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