Remove the middle man, lower the cost, right? That’s the idea behind Dwolla, the pioneering electronic cash option. Traditional electronic payments involve one or more middlemen, each one very interested in taking a chunk of change out of the payment. Dwolla is taking the Pal out of PayPal, so to speak; transactions cost a maximum of twenty-five cents. The result is electronic payment the way it’s meant to be: simple, fast, and practically free.