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We need banks that better serve us.

Under Banking 2.0, a customer's deposit would no longer be held by the bank itself, it would be held by the Fed, eliminating all risk for the customer.
Banks would serve as intermediaries to the Federal Reserve.
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As intermediaries, banks would still originate and service loans, but the Fed would be their source of capital, not you.

Scott Smith discusses Banking 2.0 and what it would mean to you.


Risk-free Banking

Because banks would no longer be using your money to make loans, your money would no longer be at risk

Interest-free mortgages.

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Because the Fed would create the money needed for mortgages, there would no longer be a cost of funds. Thus, mortgages could be interest-free.

Money for startups.

Under Banking 2.0, banks could finance a wider range of projects without risking their customers' funds.
Banks could even finance startups,  which would supercharge the economy.


Banking 2.0 would give our nation a global edge.

The Fed can generate the reserves to finance any project, enabling our banks to become the pre-eminent global financiers.

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The returns that our banks would make overseas would provide profits to our nation.

Strengthening our nation's role.

Banking 2.0 opens the door for our banks to provide finance on a new global level, strengthening our influence so we can better compete abroad.

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