The problem with running an innocent-until-proven-guilty payments network is that you will lose a mountain of money in fines, chargebacks, and fraud. As it tur

The problem with running an innocent-until-proven-guilty payments network is that you will lose a mountain of money in fines, chargebacks, and fraud. As it turns out, nobody is interested in paying the fees of a network that pays a lot of fines, chargebacks, and fraud.