SSL is not native Internet money.

“SSL (Secure Sockets Layer) is a standard security technology that encrypts data sent between a website and a browser or between two servers. It provides a secure channel between two machines or devices operating over the internet or an internal network, preventing hackers from seeing or stealing any information transferred, including personal or financial data.” - https://www.digicert.com/what-is-ssl-tls-and-https

Credit cards are also not native Internet money.

#Bitcoin *is* native Internet money. The Bitcoin Timechain only exists on the Internet.

Andreas M. Antonopoulos goes further, with his book titles “The Internet of Money” - https://aantonop.com/books/iom/