I&#x27;ve said it before and I&#x27;ll say it again: the missing piece for the crypto-anarchist spiritual lineage of fintech to take off is a business-level transaction protocol (and associated open source server) that is generic enough to embrace all of the different settlement mechanisms and transaction types out there, as well as incorporating an adequately comprehensible means of markup for risk models. Not &quot;send &lt;amount_of_bitcoin_portions&gt; to &lt;bitcoin address&gt;&quot;, but rather &quot;invoice X for service Y settle by datetime Z, available modes of settlement ABC, after which service Y (or good G) will be rendered. policies for various types of transaction failures are DEF. proposing node&#x27;s risk model: R.&quot;.<p>The idea is not to supplant Bitcoin&#x2F;Ethereum but in fact to give them more market share by enabling them to be considered on a properly equal, pragmatic basis with conventional financial services or assets. This would encourage their selection (automatically or otherwise) versus some defined risk model (temporal, legal, etc.), over conventional financial services or assets.<p>Things that come for free or almost for free when you adopt dynamic financial routing include settlement path redundancy, multi-path settlement, RFQs&#x2F;bids, multi-hop routing, financial system reliability, etc. Something like real world aware IPv4, for money. I&#x27;ve already suggested an endpoint identification scheme - <a href="https:&#x2F;&#x2F;sites.google.com&#x2F;a&#x2F;ifex-project.org&#x2F;wiki&#x2F;our-proposals&#x2F;iiban" rel="nofollow">https:&#x2F;&#x2F;sites.google.com&#x2F;a&#x2F;ifex-project.org&#x2F;wiki&#x2F;our-proposa...</a> - which is the native account identifier at Kraken.<p>If anyone would be keen to work in this direction, I started <a href="https:&#x2F;&#x2F;sites.google.com&#x2F;a&#x2F;ifex-project.org&#x2F;wiki&#x2F;our-proposals&#x2F;ifex" rel="nofollow">https:&#x2F;&#x2F;sites.google.com&#x2F;a&#x2F;ifex-project.org&#x2F;wiki&#x2F;our-proposa...</a> years ago, but had to give it up due to competing concerns.<p>I&#x27;m ready to jump in again but don&#x27;t want to go solo.