Financial Cryptography in 7 Layers
Ian Grigg 
1998 - 2000 

"Abstract: Financial Cryptography is substantially complex, requiring skills drawn from diverse and incompatible, or at least, unfriendly, disciplines. Caught between Central Banking and Cryptography, or between accountants and programmers, there is a grave danger that efforts to construct Financial Cryptography systems will simplify or omit critical disciplines."

Accountancy and Auditing

Programming

Systems Architecture

Cryptography

Economics

Internet

Security

Finance and Banking

Risk

Marketing and Distribution

Central Banking


http://iang.org/papers/fc7.html