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A project that successfully combines these two notions could be quite interesting.

http://ifex-project.org/ attempts to do just this. Overall strategy: (1) treat a transaction between entities as a higher level abstraction than that which occurs over the wire within a particular settlement system (2) segregate settlement pathways and assets (3) maintain absolute neutrality on both (4) keep things extensible

Really amazed at how little feedback this has had despite frequently pointing at it in what I would have thought were the 'right' circles...

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