[NoInputSignal]

I think you are on the right track, but I would say that any payment that requires banks or card providers (or both) to act as agents of the exchange will ultimately have these qualities. It doesn't matter if you wrap it in a pretty bow and call it a clever name.

I think this is where crypto currency shines, as it doesn't require a deep stack of agents to facilitate a payments. It requires two parties (maybe a third for escrow), and money can move with less friction.