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Something tells me Kwedit, which launches today, is going to be a hit. It's a new payment service that absolutely doesn't guarantee payments. In fact, its unreliability is what makes it so attractive to social game publishers and other people selling virtual goods. It's also a great way to let the unbanked masses out there pay for stuff without getting sucked in to scamville-type scams. The product is called Kwedit Promise. Here's how Kwedit works: they let users take on fake debt instead of paying for virtual goods with real money (or via scammy or legitimate offers). A user promises to pay later. It's not an enforceable promise, and there is really no consequence if a user doesn't pay. But there are built in incentives to pay it off, and Kwedit expects some percentage of people to actually do so. As users take and pay off, or default, on Kwedit promises, a virtual Kwedit score moves up and down just like a real-life credit score. Users get more credit (err, Kwedit) when they actually pay the stuff they agreed to. And if they don't pay, the kwedit score goes down and getting more Kwedit becomes difficult. There's some risk that users will try to sign up under another name to start fresh - but since most of the virtual games are on social networks and tied to established identities, that won't work very well.