Quite interesting. What about account's recovery options? Don't see anything about it in the post. The idea is great, @neoxian is doing this in his bank. Waiting for your proposal. hopefully it'll get approved so it can be open source. Regards.
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The site will offer free public recovery accounts to anyone who wants them. I'm already building a system to do it for my own internal use.. may as well allow the public to use it as well for added value and service. :)