I was thinking about this recently - there is a need for a meta banking service - basically a p2p banking service much like Venmo -- but also allowing for vendors.<p>The actual funds can still be housed in a traditional bank - but you can still have an account or CC number which you would give a vendor.<p>Whenever the vendor attempts to charge your CC number the amount goes on escrow hold only in the meta-space until you the user will auth it to actually come out of your account.<p>It sits between the real bank and the vendor and you and gives one more control over their money.