Interesting Postulation about printing your own money here

Aside from the fact QTR has ‘currency’ mediums of exchange backed by air (fiat) confused with real physical value ‘money’ represented in most people’s minds by gold and silver, what guys like Fink et al try to lump into a basket of RWAs real world assets, the article is worth a read to better understand the SCAM of Fiat. 

Before I dive in with my own thoughts of how the cryptosphere can start birthing Networks of Microbanks run by anyone joining in to run a Microbank node on their notebook,

Let’s establish one truth, Fink and his ilk are ‘off base’ calling ‘real-estate paper’ a physical real world asset. 'Deceptive wordsmithing' in play here by Fink , Blackrock, Vanguard et al cheering on the adoption of RWAs? Yup.

RWAs and their related value need to be physically verifiable.

Much of Fink’s re-hypothecated derivative asset base being marketed as RWAs are really ‘piles of debt promises to pay’, mixture of varying abilities to pay back the debt with more fiat backed by government guns. The problem is  the chattels to the property and land itself (declaring the rightful owner, usually the bank in many cases, not you if you are still paying the mortgage) are kept out of these ’derivatives’, with the chattel often held by the original issuer agreeing to have such assets included in these 'derivative' debt swaps made between banks, a type of game I simply call "Dupe", that is, having your bank for example see if they can get a bank competitor to take on/eat some of my delinquent, always late to pay or way behind in payments/stop making payments mortgage paper wrapped up in a derivative 'debt swap offer' , where that competitor bank attempting to do the same  to your bank,  that is stuffing crap mortgage paper in with good mortgage paper(likely including your own mortgage)  'packaged' in their derivative offer, which itself is physically hidden in boxes of documents full of thousands of pages, where the details of the 'value' of the paper is hidden in the small print. (A massive collective market case of false representation worth of RICO charges aimed at these financial maestros? Yeah. likely.)

Breath taking, mind numbing 'World of Financial Crap' stuff, for sure. (Sorry for that but the above needed to be said. ;) )

How do I print my own Money?

I   Want   'My   Mon   ey'   Please! (Think Sting and MTV)  :)

With 3D printing these days, in both paper, plastic and metal, anything is possible. The key is to physically insert RF ID tag with unique Serial#, to wirelessly link/digitally attach the physical real world asset to a decentralized public blockchain and distributed ledger as a Real World Asset using Zero Knowledge Proofs ‘ZKPs’. This the first step in creating what is your own Microbank capable of printing it’s own physical money types and also providing collateral/backing to Financial Services issuing DEFI loans or processing payments.

The cryptocurrency FOSS Free Open Source Software tech and the skill to integrate these pieces to function as your own Microbank exists today. The Second step therefore is to integrate that tech (see link at bottom of post for an example of that called DLO)

Dawn of the Microbank Networks? In 2026? Why not!

A Network of Microbanks model run by a legion of people, also businesses large and small, where each owning any sort of computer processing power the size of a cheap notebook can digitally tether their own real world assets as the owner of their own Microbank, has only been possible because of the advances made in the cryptosphere (Not trad. FIN tech) the past few years. Couple those cryptosphere advances with Q-day protection from Quantum Computer Qubit powered hackers and voila, a MicroBank Network run by you and bunch of other people with PC Notebooks  is not only possible, ther eare actually smart people in the cryptosphere that are actually being designed and developed right now.

The  "Mises" Austrian Economics Full Reserve Missing Link:

MicroBank Network Dynamic Liquidity in the right place at the right time

The key is making the Microbank’s ‘Basket of Physical RWA Value’ (ie the computer on which the Microbank owns, all or part of it) to be both fungible/divisible and dynamically available, approved via a consensus regulated quote checking system which allows the MicroBank running on your notebook to ‘whitelist(as owner of the Microbank you get to pick which DEFI or cryptocurrency financial service you want to back) as elastic liquidity certificates “ELCs'“.

These Microbanks will need to employ FOSS NIST + other paid for commercial data security encryption techniques to ensure the Network of Microbanks are Q-day protected from on coming Quantum Computer hosted Qubit powered "HNDL “Harvest Now Decrypt Later” attacks. Microbanks will also need to employ public blockchain secured information and real time ‘Oracles’ like Chainlink to get transparent trusted market price discovery information confirming the current value of those physical real world assets, in order to  get all of the above to work.

Such Q-Day protection of the Network of Microbanks means the ELC value can be requested by existing Smart Contract powered DEFI Financial Service projects built on their own staking block chains to accumulated on demand liquidity to be TVL “Total Value Locked” or stake assigned in real time as collateral to back up the term DEFI loans they issue or provide backing behind financial settlement services between buyers/sellers of their own cryptocurrencies.

Interestingly, the ELC value issued by Microbanks as postulated above can be set up to be full reserve.

Imagine that.

A Network of Microbanks having what amounts to a dynamic liquidity ocean “DLO” able to respond in real time to back loans and transactions efficiently,

Networks of Microbanks floating on an Ocean of Dynamic Liquidity:

Host a Microbank on your PC Notebook run by you, earning yield for you? Why not!

A DLO enabled Network of Microbanks solves the age old “Mises’ full reserve problem of liquidity lockup.

TVL “Total Value Locked” duration is today’s cryptocurrency ‘efficient use of capital’ problem which is the equivalent to liquidity lockup which in the past really prevented nation states from efficiently(cost effectively) and securely employing gold and silver as a useful secure medium of exchange currency out in the public spaces.

Liquidity Lock up no more?

Full Reserve physical Real World Asset backed by Just in Time Liquidity for more trusted DEFI and Cryptocurrency?

What's in this bong anyways?  ;)

Solving the Liquidity Lockup Problem to enable Austrian Economics Full Reserve MicroBank Networks

The liquidity lockup problem of physical metals and their lack of easy physical movement and costly inspection verification has relegated gold more than silver to be used as stores of value money types moved only to settle the balance of deficits and surpluses accounted between nations which then results in the re-valuation of their own nation state mediums of exchange.

We all know today gold and silver bullion is moved around to do the above on steel re-enforced palettes, moved between different owner lock up vaults on the same site, using armored cars, ships and even planes to move those physical stores of value between vault site physical locations.

To make the movement of gold and silver more convenient to move on both paper and digitally, the attempts by Comex and the like to paper gold and silver to enable such convenience to allow the nation state or private investor to invest in/hold and easily deliver securely paper and digital representations of the gold and silver value transfer between parties has in fact, resulted in financial exchange engineered fraud imo, making the likes of CME running these services worthy of a RICO racketeering charge in the USA, given there is more paper than there is physical metal, and has been since the CME started these paper services.

Cryptosphere  Project Lead Developers: What are you waiting for? Another Lambo?

Build the Network of Microbanks Now!

How?  Start designing to Retrofit your Smart Contracts and existing transaction settlement networks  to request full reserve liquidity from the DLO. DLO right now exists as a FOSS design hosted on Codeberg (by moi) posited to function on the Autonomi Network. Ok anyone can take this design and host it where ever they want. Existing consensus nodes doing validation is a good place to host a DLO node tethering physical RWAs to a fungible utility token that is really a rework of the ERC-721 NFT "Ethereum Request for Comment". The DLO design is all open source. I will keep chipping away at it, however there are alot of smarter people than I out in the cryptosphere more capable who can speed DLO along and make  Networks of Microbanks rub by you all, for you all a rapid reality, to get out of this fiat nightmare in which we are all trapped.

Crypto has solved the above problem written in FOSS bits and pieces, it's now up to a few brave souls to tie it all together and start building the DLO and Networks of Microbanks to serve all of us. Now right here in 2026 and not tomorrow.

Yeah QTR, the technology to 3D print your own RF ID protected ‘velum’ paper money and 3D print your own precious metal coinage in say silver, or copper exists today with 3D metal printers, but more importantly the cryptographic protection and the public decentralized distributed ledger and local micro-ledger tech in FOSS form exists today, just waiting for somebody to cobble it all together and make it happen.

Check one design incarnation overview of MicroBank Networks and DLO here.

Crypto developers, get your Microbank Network on!

TK over and out. :)

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