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Learnability: While there are many features here that are commonly found in some well-known applications, it may be unclear what a transaction implies (as in, who is allowed to make a transaction and type of transaction).  Since our implementation involves only one-way directional transaction relation, this may be difficult to learn or understand for users.  

SafetyFurther handling of disputes Ease of tracking, settling, and following-up with disputes is currently unknown.  This design provides an option to "settle" a dispute, such that the transaction will be effectively canceled.  However it is a bit uncertain how to handle the case that a dispute is settled by an agreement on a new transaction amount.

*Complex transactions:  *Consider  Consider the case where at a dinner, a group of 4 decide to evenly split a $100 dinner bill.  However, some people are short on cash while others have extra on hand.  So one person pays $50, another $40, and two of them $5 each.  If in the end this should be equaled out such that all pay only $25 for the dinner, how would that happen?  The solution to this is currently unknown.