Payments as a CSV

I was looking recently at the way that paypal handle bulk payments ... a
screenshot is below

https://www.paypalobjects.com/en_US/i/demo/batch_format.gif

<user1>  <amount>  <currency>  <user2>  <comment>

I realized this is very close to the webcredits fields without the
timestamp, and some of the meta fields (eg id, type, context, scheme)

I figured this might be a nice shorthand to store IOUs e.g. on paper, or on
a phone etc

Alice     10      USD     Bob     pizza

For example could be a line easily transerable to a universal webcredits
format


Rules:

Alice -> Is looked up to go from a local identifier to a universal on
processing
10 -> is validated as a float
Bob -> Is looked up to go from a local identifier to a universal on
processing
pizza -> is processed for escaped characters and recorded as a string

Two questions

1. Which delimiter to use, or leave it open as per csv
2. Add timestamp as optional or just take it from the file?