[Cryptography] Am I missing something about CBDC ?

[Osman Kuzucu]

> Alexander Kjeldaas <alexander.kjeldaas at gmail.com> şunları yazdı (20 Ara 2020 12:33):
> 
> 
> The point is to have money with no counter party risk.  If you can have that,  then we can get rid of government insuring deposits of commercial banks.  Then we can let banks fail more easily.  
> Banks can still do payments, but need to settle MY money once a day like they do with each other. 

I don’t think that would work for any bank because there’s something called “Reserve Ratio” which is set at 10% for US banks. That’s what gives chance to banks to be flexible with the money they have and give out loans.