Internet and trust in people

Greetings to you, readers!

In this part, I want to talk about the options of “transactions on trust in the network” that can be used or implemented in our project .
It:

1. Money. Synonyms: pledge / prepayment / advance, letter of credit transaction, “secure transaction”, escrow.
2. User deanonymization. Synonyms: account verification, “online passport”.
3. Network Reputation.

More about each:

1. Option "Money"
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   Implementations:
   
   • Webmoney Escrow. Commission 0.8% of the amount.
     Arbitrage in stock.
     Cons - only for owners of Webmoney wallets.
   • Escrow.com Commission 3% (minimum $ 25).
     There is no arbitration as such, the process of refusal to purchase is described.
     Cons - sharpened by the classical scheme of sale.
     Accept payment cards and PayPal. Currency $ and Euro.
   • "Safe Deal" on FL. Commission (from 9.9% to 13.9%).
     There is an arbitration, but it is designed for design work (comparing the result and the TOR).
     Cons - the service is provided within the project, rather than a separate implementation. Sensitive size commission.
   
   Pros of the "money" option.
   
   • The saying “nothing strengthens faith in people like prepayment” explains a lot.
   • Clear monetization scheme.
   
   Minuses
   
   • In addition to the mistrust between the parties to the transaction, there is mistrust of the resource itself and its arbitration.
   • The high cost of implementation and maintenance (charged to users).
     
   
   Because of the disadvantages of this option, the introduction of its escrow is not planned yet. I wrote about it here .
   
2. User deanonymization.
   This is a confirmation of the user's personal data, knowing that you can:
   
   • Prevent multiaccounting. Set name + unique ID (whether it is a wallet or a "passport" number).
   • Confirm the seriousness of intentions, and weed out a fair percentage of crooks (at least not from IT) and "trolls."
   • Conduct a small "scoring" on the profile in the social network. Understand "what a person lives." To form an impression about him on the basis of posts / friends.
   • Suit the man finally.
   
   
   Implementations:
   
   • Secondary monetization of compliance with the law on the NPC in terms of "personalized wallets."
     Realizations: Yandex.Money, Okpay, Webmoney (a veteran on the market of certificates. Has no relation to the NPC ).
     Check costs from 50 to 100 rubles.
     
   • "Online Passport".
     Realizations: Federal finance.
     Check costs from 120 rubles.
     
   • Inputs via OpenID.
     Implementation: various social networks.
     Check is free.
     
   
   
3. Network Reputation.
   
   It works in closed communities, where the credibility of "one's own" (various rating mechanisms, length of service on a resource) is valued more than the possible benefit of deception / bad faith.
   The difficulty was that it was impossible to prove that someone behaved "not according to the concepts / rules" (simply put "threw").
   The word of one participant against the word of another.
   However, now there is a service of "electronic notaries", which can fix, with reference to time, correspondence in the mail or on the website.
   This is rather a preventive measure than proof for "debriefing."
   A person who values ​​his reputation and knows that all the “moves are recorded” will think several times before deciding to deceive.
   
   Advantages of this option:
   
   • Cheapness
   • Ease of implementation.
   • Client and agent can be from different communities.
   
   Minuses:
   
   • A person must have a good reputation and cherish it.
   
   
   
   I described all this in order to ask you to answer 1 question: