Interesting suggestion. One of the unintended consequences of some research my company conducted last year with a view towards bridging disparate settlement systems through objective description of their properties was the realization that existing financial services platforms rarely have redundancy; we would be adding this to resulting systems for free. For some results on the open side of that research, somewhat stalled early this year but moving along soon, see http://ifex-project.org/ ... thoughts/contributions very much welcome.