Well, one of the elements of market disruption is unbundling of product.For example, if you unbundle hotel services you get safe place to stay, comfortable pla

Well, one of the elements of market disruption is unbundling of product.For example, if you unbundle hotel services you get safe place to stay, comfortable place to stay, services-on-demand, ease of finding such place. AirBnB has thrown out services-on-demand from its value proposition and had an opportunity to capitalize on being a market connecting buyers and sellers. If we unbundle reversible transactions we get money transmission and satisfaction guarantee through complex legal system. What happens if we technology will allow same level of protection but on top of instant, irreversible transactions. Many sources of government inefficiencies would be eliminated. It may be a complex thing to do, but we should think of the components of reversible transactions and how to innovate on each of it.