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status as other forms of fiat currency. DFC possesses the same characteristics as that of paper fiat currency. Fiat currency is declared legal tender by government regulation and law. For example, in Kenya, it is the Kenyan
Shilling, in India it is the Indian Rupee, in Brazil it is the Brazilian Real and so on. DFC is the digital form of fiat notes and coins issued and legalized by the issuing authority of a nation (most commonly the countryâs Central Bank). DFC, like its physical counterpart, is ubiquitous and interoperable. It is a subset of the monetary base (M0) and is a final and instant settlement of debt. As legal tender issued by the entity empowered by the law, such as the Central Bank, DFC is a trusted instrument, and is the common unit of account, store of value and medium of exchange. It is a liability on the Central Bank. Just like paper currency, DFC does not require the pubic to hold an account at the central bank.
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interpretation of it for the "not a liability" is problematic. The source for the "is not a liability" basically said that cryptocurrencies are not a liability. There are two ways to take this. One is an absurd overgeneralization...that every possible crypto protected currency is not a liability. The other is to interpret it as referring to the common cryptocurrencies/ common meaning of cryptocurrencies, which is along the lines of bitcoin, not issued or supported by any bank or government. The latter is the only plausible choice and it does not support "not a liability for an issuing bank", so "not a liability" fails verification. So, IMO the "not a liability" clearly can't stay in the article. Justin
Goldsborough gave three references to support the "is a liability of the bank" viewpoint. All were large and I admittedly only skimmed them, but that quick skim seems to buttress his argument.
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just like
Bitcoins, Litecoins and Ethereum. Although CBDC is understood to be a digital currency issued by the Central Bank, it does not carry the same basic principles upheld by a DFC. The definition of a CBDC has been discussed with differing characteristics than that of physical fiat currency. In contrast to DFC, CBDC may be a settlement balance. CBDC may require the general public to hold central bank accounts. Most importantly, CBDC is not defined as fiat, and therefore, it is not accurate to form an immediate parallel between CBDC and Digital Fiat Currency.
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the sentence in the second paragraph under the
Characteristics section from "As such, digital fiat money cannot be considered as a liability of the central bank (it is similar to outside money)." This sentence as it reads is false because base money supply issued by the central bank and all forms of currency are a liability of the central bank. As digital fiat currency is part of base money supply, therefore it too is a liability of the central bank. The two sources included below support this point.
1407:- without getting too deeply into the nuances of cryptocurrency and international banking liabilities, if both sides are well argued, why wouldn't a solution be "There are disagreements about whether cryptocurrency should be treated as a bank liability in the traditional sense. According to etc etc etc, it is, because ..., but according to etc etc etc, it is not, because ...." Source both sides by highlighting the issues, let the reader decide.
802:@Stanjourdan and @Justin Goldsborough - thank you for maintaining this page and upkeeping it. I believe there is an important distinction that should be made. CBDC is not possible without the double spend problem being solved. It was not possible prior to distributed ledger technology and you have older examples like Canada's mintchip which was proposing a digital currency but failed due to poor implementation design of the double spend issue.
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cannot be considered as a liability of the central bank (it is similar to outside money).â This statement is false because base money supply issued by the central bank and all forms of currency are a liability of the central bank. As digital fiat currency is part of base money supply, therefore it too is a liability of the central bank. The two sources included below support this point.
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1140:- summoned by bot. I think we (or at least I) need more context to be able to help with this discussion. What is the main issue here? Why would it matter one way or the other whether or not we list the currency as a liability, and who would make the claim for either argument? Can you flush your request out to better make your case?
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technology works to improve current services ie: "using a blockchain for digital asset management allowed NBC and
Soramitsu to implement fiat-backed digital representations of the Khmer riel and US dollar that would be accessible for wholesale interbank transactions as well as everyday retail payments." from
1247:) states "CBDC is not a well-defined term. It is used to refer to a number of concepts. However, it is envisioned by most to be a new form of central bank money. That is, a central bank liability, denominated in an existing unit of account, which serves both as a medium of exchange and a store of value."
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In todayâs modern economy most money takes the form of deposits, but rather than being created by a group of savers entrusting the bank withholding their money, deposits are actually created when banks extend credit (i.e., create new loans). As Joseph
Schumpeter once wrote, âIt is much more realistic
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Zero reserve: today commercial banks in some countries (US, UK, EU, etc) don't need a reserve requirement anymore . Indeed every time a subject (a person, a corporation, etc) asks for a loan, and that subject offers a loan guarantee (a private property like a car, a building, etc) the bank creates
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4. I think we should acknowledge that this whole topic is still very much emerging and fast-changing. Terminologies and concept definitions are therefore not yet 100% clear neither set in stone. In the midst of this uncertainty, I would suggest adopting an open approach by keeping the current page on
715:. We could of course create different articles for both concepts, but given the large and fast-growing literature on CBDC, wikipedia still should have a page on CBDC., while DFC seems to be pretty much a niche, lower-priority topic. It makes more sense to prioritize the development of the CBDC entry.
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Per your comment on March 26, many editors have commented via the RfC above. Multiple comments are in support of editing the article to say digital fiat currency is a liability of the
Central Bank. Based on this feedback, do you now feel we could go ahead and make the edit originally requested: Edit
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Would you consider changing the sentence: "As such, digital fiat money cannot be considered as a liability of the central bank (it is similar to outside money).â? I believe the opposite is actually true and propose changing it to read as follows: "As such, DFC is a liability of the central bank just
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In contrast, a
Central Bank Digital Currency (CBDC) can be an entirely different âthingâ. Just like the Bitcoin network issues Bitcoins, a central bank can issue its version of a âbitcoinâ. It is not necessarily legal tender and it is not necessarily sovereign currency. It is another âCryptoCoinâ
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While I don't expect an explanation of mining in this article, there should be more about it than the one glancing use of the term. In particular, it has been claimed that CBDCs can be created without mining. Since mining is very intensive of computer use, it is considered a significant driver of
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Thanks for the continued discussion. I was under the impression consensus from the RfC was clear that the way the sentence was currently stated (that digital fiat money cannot be considered as a liability of the central bank) was inaccurate and a change was warranted. Would appreciate your thoughts
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As an additional note, to me it appears that
Jtbobwaysf's post is self conflicting and I would request them to clarify. It starts with supporting the current "is a liability" version, but their arguments seem to argue against that statement and thus, regarding the existing statement, in favor of
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The term âDigital Fiat
Currency (DFC)â and the term âCentral Bank Issued Digital Currency (CBDC)â have different meanings and cannot be used interchangeably. A Digital Fiat Currency (DFC) is the legal tender and currency of the nation. It is the digital form of the same value and has the same legal
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Of course, as I pointed out Tuesday, Bernanke is pushing to eliminate all reserve requirements in the U.S. If Bernanke has his way, American banks won't even have to borrow from the Fed or other banks after the fact to have reserves. Instead, they can just enter into as many loans as they want and
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Below are two sources that back this argument that digital fiat money is a liability of the Central Bank. Also, per the rfc above, multiple editors have agreed that digital fiat money is a liability of the Central Bank and have asked that the edit be made to the article. But the edit has still not
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Thanks TimTempleton and North8000. I can provide a claim for why digital fiat currency should be considered a liability of the Central Bank. Currently the article states, "Digital fiat currency is part of the base money supply, together with other forms of the currency. As such, digital fiat money
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Hi. Happy new year to you as well. Appreciate you sharing your reasoning. Agree with the majority of it, but have one additional edit request for you consider. NOTE: I am proposing this edit on behalf of eCurrency. I am a paid editor for various brands and am aware of the COI guidelines. Hopefully
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After carefully going through the topics, it has come to my attention that there are few instances of an active and functioning CBDC example. Moreover, there is also content claiming that a CBCD does not need blockchain/DLT technology, however, there are examples of instances where the blockchain
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create endless money out of thin air (within Basel I and Basel II's capital requirements - but since governments are backstopping their giant banks by overtly and covertly throwing bailout money, guarantees and various insider opportunities at them, capital requirements are somewhat meaningless).
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1. There is a significant overlap between CBDC and DFC. Most of the literature on CBDC referenced in the article defines CBDC very closely with your own definition of DFC (legal tender, equivalent to physical cash, part of m0, liability of CB). Whether people can have an account at the CB is an
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On March 2, 2018 I proposed the following edit request...Would you consider changing the sentence: "As such, digital fiat money cannot be considered as a liability of the central bank (it is similar to outside money).â? I believe the opposite is actually true and propose changing it to read as
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Hello, first thank for whoever started this article. Very much needed! May I suggest if there is any prominent reason why this has been titled "Digital Fiat currency"? It seems like the concept has been baptized "central bank digital currency" by most central banks (cf references) so the later
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Given its centralized structure, a CBDC may or may not amplify the destruction of certain catastrophic events such as very large natural disasters or sophisticated nation-state cyberattacks. The fragmented nature of most nationsâ current systems tends to confine damage to smaller chunks of an
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Would you consider changing this sentence from the article (second paragraph under Characteristics header): "As such, digital fiat money cannot be considered as a liability of the central bank (it is similar to outside money).â I believe the opposite is actually true and propose changing that
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Lastly, I am fine with this article content living under the Central Bank Digital Currency umbrella as you've proposed. We do plan to submit a redirect request so that a Digital Fiat Currency article exists. I'll submit that request, but wanted to mention it. Thank you in advance for your
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but they did not make a specific proposal. As a sidebar, it is logical......a currency issued by a bank is an obligation of the bank. I said "sidebar" because in Knowledge, sources are more more important than logical analysis by editors. So let's move on to sources. The sourcing and
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One can argue it is not possible to have a CBDC without distributed ledger technology. If you look at all previous examples prior to Bitt.com's concept of a DLT based CBDC, then you would notice they all failed due to issues around security, double spend and deployment.
1705:(If this is not the RfC you're referring to, please state otherwise.) Owing to that consensus, which seems at odds with your request, and to the lack of agreement on wording with respect to how it should be mentioned, I don't see how this is an actionable edit request.
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sentence to read as follows: "As such, DFC is a liability of the central bank just as physical currency is. Also, what do you think about adding the acronym (DFC) after first reference of digital fiat currency and then using DFC on all additional references?
1900:âThe banks in their lending business are not only not limited by their own capital; they are not, at least not immediately, limited by any capital whatever; by concentrating in their hands almost all payments, they themselves create the money requiredâŚ.â
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Statements regarding whether or not cryptocurrencies are liabilities is a determination which should involve the input of many editors, not just you and I. I suggest that this topic requires further discussions before a change can be made. Regards,
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to involve additional editors? Or a different approach? Also, in an attempt to build on this discussion, including two other sources below that claim digital fiat currency is a liability of the central bank. Appreciate your thoughts on next steps.
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Thank you for your interest in the article. I wanted to clarify the difference between Central Bank Digital Currency and Digital Fiat Currency and see if you'd be willing to revert back to the original page name and article version
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on behalf of eCurrency. I am a paid editor for various brands and am aware of the COI guidelines. Hopefully this additional information will help clarify the relationship between Digital Fiat Currency and the Central Bank.
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Making it clear in the article that there are different ways to implement a form of CBDC, with different characteristics, use cases, technology and objectives; make it clear that DFC is a proposal on its own, not a generic
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I love this suggestion as the title for CBDC is often referred to as Central Bank Digital Dollars, Central Bank Digital Cash, Central Bank Digital Fiat, Fiat Digital Dollars and it therefore makes sense to include them
1954:(1) Each private bank "creates" loans out of thin air by entering into binding loan commitments with borrowers (of course, corresponding liabilities are created on their books at the same time. But see below); then
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That was my reading of the consensus and what I intended to communicate when I made the closure. I think another RfC would be overkill; I'm willing to make the edit for you as-is, though I would like to know what
1903:âIn a pure system of credit, where all payments were made by transference in the bank-books, the banks would be able to grant at any moment any amount of loans at any, however diminutive, rate of interest.â
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In other words, everything we know (fractional reserve) is not just wrong, it's backwards. When banks make loans, they create money. This is because money is really just an IOU (I own you=bank account)....
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The current formulation "As such, digital fiat money cannot be considered as a liability of the central bank" failed verification. It appears the unsourced text that follows it stating "(it is similar to
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CBDCs are fully reserved, so if a person want this form of money, he just buys it from the central bank. In this case commercial banks don't create debt, or new money, and don't earn any interests.
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As announced on March 15, 2020, the Board reduced reserve requirement ratios to zero percent effective March 26, 2020. This action eliminated reserve requirements for all depository institutions.
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Hi Justin. Thanks for the clarification. I still have however strong preference for keeping CBDC as the main umbrella term, for various reasons listed below, but I hope we can find a common ground?
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Most people think that banks lend solely from their base of deposits. Some also know that with fractional reserve banking, they can loan out many times more than they actually have in reserves.
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To quote from its own (Bank of England) initial summary: "Rather than banks receiving deposits when households save and then lending them out, bank lending creates deposits (bank account)" ...
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temporarily a new deposit (money), lends these money to him, and when the borrower pays off the loan plus the interests the initial deposit is deleted, and the bank keeps the interests.
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89:. The project works to allow users to contribute quality articles and media files to the encyclopedia and track their progress as they are developed. To participate, please visit the
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The system is no longer based on assets (and remember that the giant banks have repeatedly become insolvent) It is based on creating new debts, and then backfilling from there.
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to say that the banks 'create credit,' that is, that they create deposits in their act of lending than to say that they lend the deposits that have been entrusted to them.â
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Indeed, in the last century, commercial banks have created money thanks the deposits and other ways. They have used 2 methods: fractional reserve banking and zero reserve.
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and implement that as they think makes the most sense, and we can have a further discussion about the specifics if that implementation is found unsatisfactory.
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It's not just Bernanke ... the central banks and their owners - the private commercial banks - have been running the printing presses for hundreds of years.
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been made. Based on the points made sources provided and the editor consensus in the rfc, would you please go ahead and make the proposed edit?
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The following sentence is not exact anymore: For example, commercial banks practice fractional reserve banking while CBDCs are fully reserved.
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terminology would be in my view the more appropriate one. I'll proceed to the change unless major disagreements appear in the coming 2 weeks.
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According to the credit creation theory then, banks create credit in the form of what bankers call âdepositsâ, and this credit is money.
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was declined. The reviewer would like to request the editor with a COI attempt to discuss with editors engaged in the subject-area first.
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economy. I expect this is part of central banksâ planning; this article should address this as reliable sources become available. â
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There's really no limit on how much (money and loans) banks could create, provided they can find someone willing to borrow it.
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2. As far as I know, talks about bitcoin-like schemes issued by central banks are fringe and usually not described as "CBDCâ.
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a central bank liability, but the issue of how this should be implemented was not discussed. I would encourage any editor to
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Subsequent comments should be made on the appropriate discussion page. No further edits should be made to this discussion.
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We're talking about currency here. This is just fiat in newspeak and doesnt need its own article. See Notepad article
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require that editors disclose their "employer, client, and affiliation" with respect to any paid contribution; see
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this additional information will help clarify the relationship between Digital Fiat Currency and the Central Bank.
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https://www.businessinsider.com/german-central-bank-says-credit-is-created-out-of-thin-air-2010-3?r=US&IR=T
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https://www.businessinsider.com/german-central-bank-says-credit-is-created-out-of-thin-air-2010-3?r=US&IR=T
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This study establishes for the first time empirically that banks individually create money out of nothing.
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Improving the definition by listing the key possible characteristics of CBDC / DFC (possibly with a table);
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on next steps here to come to a resolution. Would you recommend another RfC? Other thoughts? Thanks.
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CBDC as main umbrella page for all kind of legal tender digital currencies issued by central banks.
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https://www.investopedia.com/articles/investing/022416/why-banks-dont-need-your-money-make-loans.asp
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on behalf of eCurrency. I am a paid editor for various brands and am aware of the COI guidelines.
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on behalf of eCurrency. I am a paid editor for various brands and am aware of the COI guidelines.
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on Knowledge. If you would like to participate, please visit the project page, where you can join
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on Knowledge. If you would like to participate, please visit the project page, where you can join
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on Knowledge. If you would like to participate, please visit the project page, where you can join
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on Knowledge. If you would like to participate, please visit the project page, where you can join
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This article was the subject of a Wiki Education Foundation-supported course assignment, between
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2) Can banks individually create money out of nothing? The theories and the empirical evidence.
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Should digital fiat currency be defined as a liability of the central bank? See sources above.
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follows: "As such, DFC is a liability of the central bank just as physical currency is."
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global warming. Thus, this non-mining character would be a positive factor for CBDCs.
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https://en.wikipedia.org/search/?title=Central_Bank_Digital_Currency&oldid=796947181
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Wiki Education assignment: Research Process and Methodology - FA22 - Sect 200 - Thu
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has run away, I have made the edit. Please let me know if you need anything else.
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1455:* First, as per the BIS quote. Second, that is the whole point of the article.
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In the absence of any comments, I have processed with renaming the page today.
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5) German Central Bank Admits that Credit is Created Out of Thin Air.
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I don't follow. How is his suggestion not in line with the consensus?
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Coindesk (5th paragraph in the Digital Currency Attributes section):
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https://www.sciencedirect.com/science/article/pii/S1057521914001070
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consideration of this edit and for your additions to this article.
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Moving forward, I would suggest improving the article in this way:
2209:. Readers of this page are welcome to comment on this redirect at
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https://www.bankofengland.co.uk/knowledgebank/how-is-money-created
1682:"PBOC Researcher: Can Cryptocurrency & Central Banks Coexist?"
1553:"PBOC Researcher: Can Cryptocurrency & Central Banks Coexist?"
1359:"PBOC Researcher: Can Cryptocurrency & Central Banks Coexist?"
1038:"PBOC Researcher: Can Cryptocurrency & Central Banks Coexist?"
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Unified Ledgers, Total Tokenization, Project Agora, Finternet ...
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Newsweek has a strongly worded critique of using a CBDC system:
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Knowledge:Redirects for discussion/Log/2023 October 5 § Cdbc
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https://www.federalreserve.gov/monetarypolicy/reservereq.htm
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There is consensus that the article should state that CBDC
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In his Theory of Credit Macleod (1891) put it this way:
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commercial banks practice fractional (disputed/dated)
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Invited by the bot. I echo what TimTempleton said.
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DISCLOSURE: I proposed the original edit March 2 for
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to determine whether its use and function meets the
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The following discussion is an archived record of a
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Talk pages of subject pages with paid contributions
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No further edits should be made to this discussion.
2341:Mid-importance WikiProject Cryptocurrency articles
1906:3) Why Banks Don't Need Your Money to Make Loans.
2049:https://en.wikipedia.org/Notepad_(disambiguation)
591:) has been paid by FleishmanHillard on behalf of
2311:Mid-importance Finance & Investment articles
972:Thanks for your response. Would you recommend a
1610:was declined. A consensus could not be reached.
208:Knowledge:WikiProject Finance & Investment
2316:WikiProject Finance & Investment articles
1434:Justin Goldsborough's argument. Sincerely,
1078:A summary of the conclusions reached follows.
604:Renaming to "central bank digital currency"Â ?
211:Template:WikiProject Finance & Investment
8:
654:). Thanks in advance for your consideration.
2336:C-Class WikiProject Cryptocurrency articles
1848:I replace it with the following sentence:
99:Knowledge:WikiProject Articles for creation
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1058:RfC about digital fiat currency definition
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47:
2306:C-Class Finance & Investment articles
2012:No, we're not here to promote Soramitsu.
737:I hope this helps?! happy new year btw
2259:), a new financial architecture, named
2143:2600:6C67:1C00:5F7E:1DEF:F379:3CE0:B974
2123:2600:6C67:1C00:5F7E:1DEF:F379:3CE0:B974
1648:
1519:
1325:
1004:
873:
733:Add more academic references about DFC;
441:
352:
247:
154:
49:
19:
2296:AfC submissions by date/24 August 2017
1894:But how much credit can they create?
1702:
1425:Support Justin Goldsborough's argument
7:
1662:. Bank for International Settlements
1533:. Bank for International Settlements
1339:. Bank for International Settlements
1018:. Bank for International Settlements
487:This article is within the scope of
402:Knowledge:WikiProject Cryptocurrency
382:This article is within the scope of
293:This article is within the scope of
187:WikiProject Finance & Investment
184:This article is within the scope of
2346:WikiProject Cryptocurrency articles
1797:Well, it's been 10 days. Seeing as
1701:The consensus of that RfC was that
1585:NOTE: I am proposing this edit for
845:NOTE: I am proposing this edit for
408:WikiProject Cryptocurrency articles
405:Template:WikiProject Cryptocurrency
38:It is of interest to the following
2253:Bank for International Settlements
2079:
2075:
1241:Bank for International Settlements
14:
2326:Mid-importance Economics articles
1657:"Central Bank Digital Currencies"
1528:"Central Bank Digital Currencies"
1334:"Central Bank Digital Currencies"
1013:"Central Bank Digital Currencies"
214:Finance & Investment articles
86:WikiProject Articles for creation
2356:Mid-importance politics articles
2190:
2082:. Further details are available
2069:
1595:
1572:The discussion above is closed.
824:
705:optional feature in my opinion.
552:
474:
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177:
156:
76:
62:
51:
20:
2215:until a consensus is reached.
2156:Resilience against catastrophes
1497:Thanks for your consideration,
1381:"Central bank cryptocurrencies"
527:This article has been rated as
422:This article has been rated as
333:This article has been rated as
313:Knowledge:WikiProject Economics
228:This article has been rated as
123:This article was accepted from
2331:WikiProject Economics articles
2251:are embedded in blueprints by
1121:) at 07:43, 20 May 2018 (UTC).
974:Knowledge:Requests for comment
507:Knowledge:WikiProject Politics
316:Template:WikiProject Economics
129:on 24 August 2017 by reviewer
1:
2361:WikiProject Politics articles
2167:15:58, 18 January 2023 (UTC)
2151:23:20, 14 December 2022 (UTC)
2131:23:15, 14 December 2022 (UTC)
2098:â Assignment last updated by
2022:13:00, 21 February 2022 (UTC)
2007:09:45, 21 February 2022 (UTC)
1836:11:02, 23 February 2020 (UTC)
812:11:01, 23 February 2020 (UTC)
798:10:57, 23 February 2020 (UTC)
684:23:00, 27 December 2017 (UTC)
619:09:18, 10 November 2017 (UTC)
510:Template:WikiProject Politics
501:and see a list of open tasks.
396:and see a list of open tasks.
307:and see a list of open tasks.
288:Business and economics portal
202:and see a list of open tasks.
2174:15:58, 18 January 2023 (UTC)
2108:20:57, 3 December 2022 (UTC)
2046:) 20:32, 23 April 2022 (UTC)
783:19:00, 31 January 2018 (UTC)
634:12:50, 3 December 2017 (UTC)
2237:04:19, 5 October 2023 (UTC)
854:as physical currency is."
747:10:09, 3 January 2018 (UTC)
2387:
2321:C-Class Economics articles
2060:20:33, 23 April 2022 (UTC)
1888:Macleod (1891: II/2, 594)
1132:17:45, 18 April 2018 (UTC)
995:21:14, 13 April 2018 (UTC)
956:22:40, 26 March 2018 (UTC)
533:project's importance scale
385:WikiProject Cryptocurrency
339:project's importance scale
234:project's importance scale
2351:C-Class politics articles
2277:07:28, 16 July 2024 (UTC)
1978:6) how is money created.
1909:Banks in the Real World.
1864:1) Reserve Requirements.
1809:22:16, 21 July 2018 (UTC)
1786:20:10, 11 July 2018 (UTC)
1769:14:49, 11 July 2018 (UTC)
1736:22:44, 26 June 2018 (UTC)
1716:22:03, 25 June 2018 (UTC)
1639:21:06, 25 June 2018 (UTC)
1099:01:32, 11 June 2018 (UTC)
864:17:39, 2 March 2018 (UTC)
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2301:Accepted AfC submissions
2203:redirects for discussion
2185:Redirects for discussion
1987:Overhaul of this section
1574:Please do not modify it.
1507:03:08, 4 June 2018 (UTC)
1465:23:21, 1 June 2018 (UTC)
1446:23:44, 20 May 2018 (UTC)
1418:18:36, 20 May 2018 (UTC)
1315:07:43, 20 May 2018 (UTC)
1267:18:05, 17 May 2018 (UTC)
1219:03:23, 15 May 2018 (UTC)
1072:Please do not modify it.
205:Finance & Investment
164:Finance & Investment
1170:11:57, 7 May 2018 (UTC)
1151:19:06, 3 May 2018 (UTC)
119:
28:This article is rated
2086:. Student editor(s):
1239:. Your provided text
296:WikiProject Economics
118:
96:Articles for creation
93:for more information.
59:Articles for creation
2291:C-Class AfC articles
1778:was thinking above.
1608:conflict of interest
1606:by an editor with a
837:conflict of interest
835:by an editor with a
561:Wikimedia Foundation
490:WikiProject Politics
2207:redirect guidelines
2201:has been listed at
2114:A possible citation
2028:Essentially Notepad
1793:Justin Goldsborough
1761:Justin Goldsborough
1631:Justin Goldsborough
1499:Justin Goldsborough
1211:Justin Goldsborough
1124:Justin Goldsborough
1067:request for comment
987:Justin Goldsborough
856:Justin Goldsborough
775:Justin Goldsborough
676:Justin Goldsborough
579:Justin Goldsborough
2084:on the course page
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34:content assessment
2076:22 September 2022
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