I really like dwolla, but I think this particular innovation should have been implemented differently. Instead of giving this product away for free to banks, et al. It should have been release open source for everyone to use for free, with support costing banks, et al. No requirement to use Dwolla as the vendor between banks and consumers. This would really have been disruptive. As it stands, Dwolla has just figured out how to be a better Mastercard. Still some progress is better than no progress, so I extend a heartfelt thank you to Dwolla.