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> consider the fact that both Gemini and OpenAI got gold medal level performance

Yet ChatGPT 5 imagines API functions that are not there and cannot figure out basic solutions even when pointed to the original source code of libraries on GitHub.

I didn't say you need a blockchain. I just said a cryptographic protocol (mostly offline and unrelated to blockchain) would help to automatically and quickly detect and proof fraud.

The offline credit card system does not proof fraud but just has insurance.

True. But if the system is implemented by a country this could be implemented using the law system and insurances.

For example, when each transaction is done, both parties might keep a cryptographic proof which they are required to submit once they are online again.

Failing to submit could result in a small fine (to encourage submission) and double spending which can then be detected could result in a large fine (or even a prison sentence), for example.

There is, perhaps, a privacy issue, just like with blockchain. But it's not more of an issue than online transactions.

Zero moat.

It's "quite accurate" which is not acceptable for almost all relevant tasks is a business context. Somebody needs to manually check everything. Almost no time is saved.

Talking as someone who has built many small OpenAI integrations aka wrappers in business apps.

To save months the output would have to be reliable, but it isn't. It saves very little, especially at data input and coding.

It does save time for tasks where the output is easily checked, such as image generation and translations. But the quality is often mediocre.