KoveredPay is a blockchain-based system for refundable, reversible payments.
   
KoveredPay is a decentralized token based on the Ethereum blockchain. Dev aim is to enable safe, reversible transactions on the blockchain. The transactions made using KoveredPay can be reversed and/or put on hold, making KoveredPay a must-have cryptocurrency for both merchants and buyers to ensure the safety of their funds.

  And they have bounty program. Sign up free and get your tokens.