When identity and payment authorization are cryptographically unified, intermediaries become unnecessary.
Fund Control
Funds held by intermediaries
Custody risk
Self-custody
Fraud Handling
Fraud detection after the fact
Reversibility assumptions
Signed payment intent
Dispute Model
Dispute-based resolution
Operational overhead
Deterministic settlement
Automation
Manual review and approval layers
Limited automation
Native machine execution
Settlement
Platform-mediated clearing
Global settlement friction
UTXO-based settlement on Litecoin
Identity Link
Identity separate from payment authorization
Weak attribution
Identity and payment provably linked
"Identity and payment authorization are provably linked."
When payment intent is signed, custody, reversal logic, and intermediary trust are no longer required.
Last updated 5 days ago
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