# Composable Value Network

Composable value networks are those that are designed to allow value to flow both into and out of the network. Most value networks are composable, normally with a fee of some sort to exit the network.

Paypal is one example of a value network. They simplify the process of conducting transactions by handling much of the payment processing for you. &#x20;

Instead of driving 250 miles, handing over cash, and getting a receipt from the seller as proof of purchase, a user can buy using Paypal. Paypal accepts your payment, then pays the seller and creates a receipt for the buyer. The seller can then transfer that cash to their bank account and pull it out as cash.

Banks are operators in another value network, the banking system. It underlies most transactions in modern society. Traditionally most value networks were built to work on top of the banking system, making it difficult to conduct transactions of value without a bank account. This has been changing in recent times with the emerging popularity of blockchain networks - composable value networks that can vary in many aspects.
