Facebook is planning to launch a cryptocurrency in 2020. It’s called Libra, and Facebook already has a bunch of high-profile partners lined up — Uber, Spotify and, notably, big players in the payment space, like Visa, Mastercard and Paypal. The partners will jointly manage the currency through a nonprofit association. And Facebook says there’ll be a firewall of sorts between users’ finances and the social network. It won’t use financial data to improve ad targeting on Facebook. So why create a new digital wallet? And why do it with a cryptocurrency? Lisa Ellis covers payments and cryptocurrencies at the research firm MoffettNathanson. She says Facebook wants to be a commerce platform.