I Owe You XXX.
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Reusable & tranferrable private&SME's bonds. Open-source programmable debts (and money).
Verifiable Credentials & Provenance. CBDC-Interoperability. AI-driven compliance. Correspondent banks prefferable.

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History & Concept
The Great Convergence: When Your Treasury Bill Buys Your Coffee.
🌃 DOI 10.6084/m9.figshare.30695645 🌃 watch on YouTube 🌃 listen on Spotify 🌃 中文, 日本語, 한국어, English, Deutsch, Français, Español, Italiano, Português, Русский 👩🏻‍🎓 Programmable Identity-Incremental Money 🛂 Reimagining Money as a Programmable Language 🌃 Compliance: From Bureaucratic Nightmare to Algorithmic Symphony 🌃 Family & Friends Lending Market Overview 🌃 Prof Ross King’s ‘Programmable Money’
Research & Discovery More With AI
👩🏻‍🎓 DeepSeek 🛂 Grok 🌃 Perplexity 🌃 Qwen 🌃 ChatGPT 🌃 Mistral 🌃 Claude 🌃 NotebookLM
The Talent: A Comprehensive Vision of Identity-Backed Currency
🧊 GoogleDoc 🐋 GitHub 💺 LaunchVault
Correspondent banking market overview
🧊 PDF 🐋 Fintech no more: correspondent banking is still an untouched niche 🐋 It is bullshit that people don’t go deep into fintech, but still make loud titles with big numbers around it 💺 High-Risk Compliance for BaaS and Correspondent Banks 💺 Re-Usable Digital Identity, Compliance, KYCC (pKYC) and OSINT Investigations
In Russian, French, German, Spanish
🧊 Деньги как программируемый язык: Алгоритмическое переосмысление стоимости 🐋 Переосмысление комплаенса как программируемого атрибута глобальной экономики 💺 Geld Neu Erfunden: Vom Objekt zum Algorithmus 🩻 Compliance als dynamischer Algorithmus 🪮 Compliance als Programmiersprache 🧪 La Compliance comme Langage de Programmation 💾 Réinventer l’argent comme algorithme 📻 La Compliance comme Langage de Programmation 🧪 Una Reevaluación del Dinero como Instrumento IOU y la Arquitectura de la Moneda Digital en el Siglo XXI
Bank.Run: Bank Of Elon and IMF 2:0 (isbn 9798230926085; isbn 9798230996071)
🟦 DOI 10.6084/m9.figshare.30228358 💬 WorldCatalogue 🔷 Barnes&Noble 🔵 Amazon 👩🏻‍🎓 eBay 💬 Waterstones 🌚 Kobo 🔹 e-books 🛡️ Apple Books 💬 everand 🌚 Thalia 🛢️ smashwords 👩🏻‍🎓 Vivlio 💬 Palace Project 🌚 Fable 💬 Angus&Robertson 🌚 listen on Spotify 🛢️ listen on Apple Podcasts 👩🏻‍🎓 A Blueprint for a Future Beyond the Fossilized Financial Order 💬 ‘Bank of Elon’: ‘SVB moment’ for the Fed 🌚 Rethinking the SVB’s Collapse for the Fed System 💬 Reforming the Federal Reserve Bank Structure — and Strategy 💬 Bank of Elon: The Currency of Chaos 💬 IMF 2.0: The SDR Strikes Back in a Multipolar Metaverse
Back To Basics
IOU: Identity-First Smart Bonds
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Real-world Problems Focused
Control your own identity. Issue, store, and share credentials privately; revoke them at will, without vendors or silos.
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Useful & Reusable
Verifiable Credentials (VCs), cryptographically-secure proofs. Share only what you want, when you want—across borders and industries.
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Compliance Officers Focused
Selective disclosure and zero-knowledge proofs by default. No unnecessary data leaks, surveillance, or tracking.
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Global Governments DIDs (Friend-not-Foe) Interoperability
Existing governments' digital identity systems integration. Move seamlessly between jurisdictions, platforms, and digital realms.
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AI-Driven Compliance (KYCC, pKYC, OSINT, EDD)
Perpetual KYC, Know Your Customer's Customer, Enhanced Due Diligence and OSINT. AI automates risk, onboarding, and global regulatory checks in seconds.
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Open Source & Audited
Community transparency and cross-checks, modular SDKs, audited code—every primitive is visible and hackable for the next generation of identity builders.