We consider that the Open Bankers decide to allow digital bearer note, limited by time and count. Ity is a service, not a loan. The customer leaves a thousand in a frozen account and gets crypto dollars. Crypto dollars pass right off the card, all the merchants love it.
How big of a block chain do I need so all parties can check liquidity at their option? The official bankers declare all parties paid and closes their client account until a restart. They delete, they shorten the tree, it is always being pruned. In that case we might say the tree is a structured queue. the customers spending trace a unique sub-graph. The officials clear the account and agree to delete the trace, leaving ownership in tact. Male it fioniter, know and this is like sharding, every day the bank computerds agree on which accounts are done and which are starting.
This is easy, known technology in the cloud, if we can use crypoto as needed. Merchants can keep the current copy, it is small enough to ship around. Convenient for wages. The merchant makes a lump sum payment to thre banker and distributed the equivalent amount to workers in digi-dollars. High school kids will be doing all of this.
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