The root problem for pseudonymous online commerce is how to create a relationship of trust between disparate transacting parties. Localized social enforcement of trust is insufficient in global trade to account for the risks involved between parties who have never met and may never interact again. Given these challenges, often no trade happens or costly outcomes for
one or both parties results. The information gap in assessing transaction risk implies an online reputation system is needed to establish trust. When it comes to commerce use cases, however, the blockchain natively fails to provide much of the services traditionally demanded by consumers and merchants. Among these deficiencies are instant payments, for example bitcoin payments can take on average minutes to hours. and there is no complete mechanism for handling fraud or ensuring customer satisfaction consumers . The blockchain by design is a low level protocol that never intended to directly solve all the matters in payments and, rather humbly provides the foundation upon which many features of the traditional financial system can be rebuilt. For blockchain technology to truly propagate to the payment space, services like credit and mediation must eventually be included.