[Vitaly]

The problem with the model (1) and one of the reasons its hard to find someone willing to take the risks with it is that it allows for a not that difficult to pull off money scam. essentially you sell to yourself and then you chargeback on the original payment once you received the money on the seller's side. The "easy" solution to this problem is to have a very high fee on transactions so that the average loss on chargebacks will be less then the total fees, or holding seller's money for 3 to 6 months to make sure there wont be chargeback on it. The harder much better way to solve it it so have better fraud detection and prevention, and not everyone can pull this off. you certainly can't on your own, you need someone else doing the heavy lifting.