[ozgrakkurt]

You can easily build escrow on chain but obviously it can’t decide on chargebacks. So you need a real world entity that is responsible for that.

You already have binance b2b and similar stuff that do escrow and it works ok

[hrdwdmrbl]

There do exist automated dispute resolution mechanisms like UMA. Though even they reduce to human voters when results are disputed.

So effectively yes, you need (a) decision maker(s) in the loop.