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Almost all wholesale is introduced. Somebody knows somebody, and the person who made the introduction is almost never credited for it — which is the single most under-recorded piece of value in commerce.
Finding the counterparty is usually harder than the transaction that follows. A protocol that records only the transaction records the easy half and lets the valuable half go unattributed.
Who introduced whom, and when. Reconstructed afterwards it becomes a disagreement between two people who both remember honestly and differently.
Account ownership is recorded with an originator, so ongoing earnings on an account you opened are computed from a record rather than negotiated. That is what makes a residual enforceable instead of a promise.
Introductions that lead to real commerce are events in the log and feed the contribution score, in whatever role made them.