Any particulate service agreement isn't decentralized necessarily (I am still using one central bank), but the market is (I can change providers if I choose).

Any particulate service agreement isn't decentralized necessarily (I am still using one central bank), but the market is (I can change providers if I choose). A _standardized_ API would allow providers and consumers a choice, which distributes the power to some degree and can encourage the parties to make choices that support the entire ecosystem rather than just their own ends.