To be useful to the 28 million small businesses in the US, Tipster needs some additional abilities. But they are far less complex than the commercial software giants would like you to believe. A DBMS or flatfile table manager, capable of storing some real simple transaction ledger rows. Persistent, private tables on the DBMS to store user records, and a persistent system table for storing shared transaction tables. The contrast between this scheme and DBS is that DBS is determinedly anonymous and rejects the idea of even a voluntary XML string in the money, to assist in bookkeeping.
Accounting is a very major hassle for any business.
Literally millions of people waste their days, reconciling payables, receivables, banks, inventory, and other external dealings. I guarantee you, not even the smallest or maverick businesses will adopt digital cash by itself, without a whole constellation of accounting functionality. The absence of efficient accounting solutions within collaborations of individuals, outside of hierarchic organizations, is the critical element that disempowers us all. The internet provides a rich fabric for communication between producers of all kinds, and partnership accounting that allows workers to walk away from the physical corporation. My understanding of DBS is that its goals only include transfer of value to another party.