Twelve people in a room
Traditional
Deposits
100%
Next meeting
18 days
Policy rate
4.50% frozen
Last one out
100%
Inflows sit as deposits. Policy waits for the next meeting.
Unofficial desk
Chapter 01 · The shock
A committee waits for Thursday. The programmed bank reads one number: net ETH through the pool. Not volume. Not bots. Real capital.
Net ETH flow
+42.0ETH
Twelve people in a room
Deposits
100%
Next meeting
18 days
Policy rate
4.50% frozen
Last one out
100%
Inflows sit as deposits. Policy waits for the next meeting.
4,000 lines of immutable code
Hard reserve
47%
Multiplier m
0.74×
Fees
Gold + liquidity
Exit fee
2.4%
On a run
Holders keep earning
Raises must be earned. Fees stack tokenized gold.
Charters are soulbound licenses. Branches earn issuance. Expansion burns STANDARD. Withdrawals mint into the float — and pay a resolution fee that climbs with the crowd.