This is touched on in the article. In fact a fintech startup Ingo Money is trying this. > And then there’s one decision which I just love aesthetically: if you

This is touched on in the article. In fact a fintech startup Ingo Money is trying this. > And then there’s one decision which I just love aesthetically: if you’re willing to wait ten days, Ingo will discount your fee straight to zero. Why ten days? It is past the window where fraud discovery will result in the funds being clawed back plus (ahem) a bit of annoyance tacked on as a product decision.