@shazow.eth

Consumers could have preferred escrow providers as part of their account, as well as preferred lock-up periods (7 days? 90 days? fees vary), think of it like a settings NFT. The default checkout flow can remain the same, unless the consumer wants to do a one-off override for a specific purchase. Escrow providers will vary in reputation, their fees will need to compete accordingly. Eg. AMEX is much easier for consumers to do chargebacks with than most basic VISA cards, and this is reflected in the fees. Someday, credit card companies can evolve and distill themselves into chargeback escrows. I expect lots of money to be made there.

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