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The focus of the WY Blockchain Coalition & the renewed focus of the CO blockchain Task Force SPDI workgroup was to create something that stayed away from the third rail of currency (Federal) , established agreement that tokens were not currency - and also defined something that worked well within the jurisdiction and regulatory framework of state control.. Avoiding FDIC meddling .... This took lending off the table. Removing lending also reduced the threat of SPDI to traditional banks Removing lending and the predatory practices of lending to maximize returns - removes a huge headache from the charter. By removing that - you simplify banking. Traditional banks are too far down the path to take that out of their business model at this point. So a de novo approach is needed; hence SPDI. That also removes credit cards (short term lending and a very profitable product line for issuing banks.). Paul Quigley, Founder of Liberado.io explains SPDIs and the different, more elegant and transparent solution these institutions will bring to the market. The reason we are compelled to build this - and build digital custody into this as well - is that we need to build a bridge between old world / traditional banking and the new world of digital finance. With an expanded asset class and an entirely different relationship with its customers. In our model it supports alternative asset lending and also decentralized (DEFI) finance. DEFI needs to plug into this to scale and also provide a greater measure of customer / merchant protection. The Open Economy Initiative Vision: At the Open Economy Initiative (OpEI), we envision a future where money can not be controlled or manipulated by any person, institution, or nation. A future where transactions are globally borderless, near-instantaneous, and produce minimal transfer fees. A world where financial authorities and institutions must submit to rules amenable to every participant in the economy - by code, not just law and where the creation of money does not devalue your savings. A world where everyone can leverage innovative technology to increase their liberty and sovereignty. This vision drives the OpEI to dedicate its resources and time to empower crypto commerce through education, advocacy, and action. Join us! Get connected with resources and opportunities within our rapidly growing community. We need you to succeed! Together we can create the open economy that we all deserve. We aim to educate, evangelize, and advocate for cryptocurrency-based financial tools. OpEI dedicates itself to empowering businesses and individuals to safely, securely, and confidently conduct commerce using cryptocurrency. We aim to ensure our efforts deliver the highest value to anyone who seeks to learn about and harness the power of cryptocurrency and blockchain technology. We strive to foster local and global communities by promoting the best-in-class industry tools and techniques. https://theopei.com/ Epic Trailer by Rafael KruxLink: https://filmmusic.io/song/5647-epic-trailer-License: http://creativecommons.org/licenses/by/4.0/Bitcoin Knight by Julien Tromeur https://julosheels.myportfolio.com/ #SPDI #SpecialPurposeDepositoryInstitutions #100PercentReserveBanks

This is what you can tell mum, dad, uncle Bob and Grandma about Bitcoin at the Thanksgiving dinner