your answer means that you guys do not know anything about what you are doing
Feel free to read through all the posts on our blog related to Ethereum and Reputation: (a few sample links below)
okay i have read some of links you posted and again what you offering is already out there in the form of localbitcoin paxful for buying and selling currencies and in the form of epay amazon for buying and selling items and many more sites almost every big marketplace site have this already built in and there is insurance too like in amazon
what your system offer different from the normal rating and comment system?