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The discussed approach presumes that incoming payments are to be scrutinized for fraud by Merchants. False Positives are an inevitable outcome, leading to sizeable lost revenue. 

In my recent post  /blogposting/28769/pay-with-trio-the-e-commerce-breakthrough-with-stablecoins

I described a radically new approach with Payments with Integrated, Deterministic Fraud Prevention (It is much better to integrate fraud prevention into the online purchase flow than try to extract fraudulent transactions after the purchase!)

This way, false positives are excluded, and no revenue is lost.

So there is another option for consumers. Great. But what about consumer protection from fraud? 

If you go that far - try bringing something different.