.. continued from above ..
ConsensusCOGSmachine consensus is an event driven network. Transactional events are observed by COGS in the Witness Pool and multi factor verifiable. Since each machine has identity via BT, SSL cert, and event driven hashed blocks (see:
https://twitter.com/COGSmachine/status/1673887121864634369?s=20), double spend, forgery are mitigated. Vault/Wallet Application is but one of many possibilities. For example here is a p2p private chat app that exchanges $COGS for chat messages. The message is sent with $COGS token(s) and received by the peer upon consensus.
https://twitter.com/COGSmachine/status/1669752168260284428?s=20