RSA is the most widely used public-key cryptosystem today and has often been called a de facto standard. Regardless of the official standards, the existence of a de facto standard is extremely important for the development of a digital economy. If one public-key system is used everywhere for authentication, then signed digital documents can be exchanged between users in different nations using different software on different platforms; this interoperability is necessary for a true digital economy to develop. Adoption of RSA has grown to the extent that standards are being written to accommodate RSA. When the U.S. financial industry was developing standards for digital signatures, it first developed ANSI X9.30 to support the federal requirement of using the Digital Signature Standard. They then modified X9.30 to X9.31 with the emphasis on RSA digital signatures to support the de facto standard of financial institutions.