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hey everybody payments professor here and Im in Atlanta just got finished doing a session on real-time payments and in talking with that session question kept coming up on dispute resolution whats gonna happen with dispute resolution in real-time payments this is going to be a dispute resolution process yes therell be a dispute resolution process but heres the catch I at least dont anticipate there being as many disputes as many issues as what we see with other payment channels and why is that well one of the key factors that weve learned in other videos is that all real-time payments is a credit push only system does that mean it means you only push a credit theres no debiting or no polling taking away from an account and if you stop and think about it and ask yourself this question stop and think about it like this how would you feel if I gave you $100 hmm you dont feel great right you know okay with that well how would you feel if I took $100 from you youd have a problem s