I still see having to deal with the keys as a barrier to people getting involved when instead it should make them feel more secure. It operates 24/7/365, you don't have to have a checkbook, fill out deposit slips, pay for and write out checks or wait as much as a couple of weeks for checks to clear to get your money. And Hive doesn't cost anything to get started. Just a bit of elbow grease putting in the work of getting engaged, doing some research, blogging, curating, etc.
!CTP