The system will constantly calculate the interest rates for different grades of borrower that will maximise market turnover. In countries where official corruption is a problem GEMs could automatically audit public sector purchases. A contract for potatoes destined for school canteens for instance might be electronically stamped to show the purchase represented the best value from multiple sellers at the time. Any contract without the stamp is immediately sent to scrutineers. A well-used GEMs system would be a powerful attraction for inward investment.
GEMs can become part of the checks and balances essential to democracy.
It could be used as a secure, neutral, mechanism for voting for example. Additionally, the international company running the core servers would have every incentive to act as a counterweight to any government attempts to skew the markets or collate information on users. Government likewise has an important role ensuring GEMs itself is adequately accountable to its users. A safe, easy to use, low cost e-marketplace should enable countries resources to be used much more effectively. Take the GEM for agricultural equipment hire for instance.