Where is the trusted banker?

OK, we have millions of wealthy people, willing and desiring to spend thousands a month on the web.  What is the trusted on-line banker?

The trusted banker takes encrypted payments, directly from its client, clears it, then it makes the anonymous purchase to Walmart, we leave their Walmart purchase bot completely out of the loop. The banker clients find the item by id, notify their trusted banker, and the client is done, the fulfillment is happening, he never once interacted with a vendor bot.

This would be the best implementation of EncryptedCredit, the proposed coin.  If Walmart needs to transact directly with me, then they can open up a trading pit, like everyone else.  However, I leave both optons, encrypted credit through the vendor to the banker and directly.

I am on the encrypted credit code, though someone else supply the encryption routine.  But I am slow, so go ahead and out run me and make a great encrypted credit coin. For us it is simple to see.

The corporate bank computer gets a message that a trading site opened up for encrypted credit, and is verified.  The bank president, knowing that I watch this stuff, knows his bank is mostly  risk free, and down loads the byte code for a  credit verifier unique to its bank, and protcted.  Some corner store some where paid me the nominal fee and down loaded trading pit, and it is now  up and running.  Anyone with a standard credit card, swipe it, your stuff is encrypted and bonded by your favorite banker; for on line, or at the counter, everywhere you choose to spend. Just make sure to read my blo for holes.

Verification for the standard bot virtual coin?
None.  It has been done, end to end, along any transaction path, virtue of having smart card end to end.  That  virtual coin has only one destiny in life, live on  some tree as a potential bid/ask bot.  The finite transaction history is clipped off the trees, and they tell me that history ends up at the end of some potentially infinite precision  block chain. OK, fine with me, but the farther back they are on that tree, the less likely anyone will bother looking.