Sometimes there are request back-and-forth amongst accounts that are too high value to be settled from balance. In such cases:

• partial settlement
• settling a request from a reverse-directed request (perhaps partially) would be nice.

I’d like to offer some of my help (to a rational extent) if there’s interest. I have some knowledge and patents on the field. This is pro bono and, while I can’t say that I could “work” on it (as my work contract will require a legal approval for that), I might be able to give insight and perhaps some algorithms...

The great idea here is not money from shady sources. Forget that if I might ask - the entire blockchain is an “open accounting”, all transactions are visible. The idea is, card payments from investments.

A long time ago, my broker joined an alliance with a bank (“black-yellow”), allowed me to use mutual funds as a backing for card payments. Interest-fee, yet there is yield on funds. Several years later, an investment firm I worked for allowed US customers to have a card and use against margins of their investments. That’s a step closer to have a word in what to invest into... Now, if a bank/investment firm were to provide publicly traded ERC20 tokens that are used against card payments, we’d be able to support the projects we think are viable or needed, gain substantial (usually interest-free if you care) yield on these investments and yet be able to use the funds for everyday payments.

But there’s more, much more I think.. while equity represents partial ownership in a firm, there’s no such restriction for an ERC20 token. A token might e.g. represent forward commodities that a company or entrepreneur produces. By buying the token, the entrepreneur (and their investors) can be sure that a given quantity is going to be sold, thereby removing market acceptance risk. This is nothing new: crowfunding works this was (albeit usually without a blockchain). If I know (or have a view on) what my spendings are going to be like, then I might buy tokens that supply these goods - and we’re still talking about publicly traded tokens, so options and swaps might be feasible (up to market liquidity). At this point, I could remove a portion of the risk the entrepreneur faces by declaring my needs (or plans - which might change as long as I’m ok to bear the costs of change) and remove my own risks in getting those goods at fluctuating market price and availability (assuming credibility or insurance of the entrepreneur). Cmiiw - this might be a win-win... this is very similar imho to what people call “circular economy”.

Now, I don’t yet see why this couldn’t be provided by bunq.