CommonAccord is organized as folders of files, with bare key=value pairs. The notion is that each participant is a node in a peer-to-peer system of "personal data stores." You have yours, I have mine, we have CommonAccord.org and whoever else we want. Transacting is a matter of adding a file or group of files to each of our PDSs. We can do that however we want. We can share PDSs via git, through a third party, or on a blockchain or similar shared resource.