September 2022 - cypherpunks - lists.cpunks.org

[ot][spam] log: trying to take control of my free government phone
by Undiscussed Horrific Abuse, One Victim of Many 09 Nov '22

09 Nov '22

i have a serrano hot pepper l55b phone purportedly with a unisoc chipset, running android 10 based on treble. these phones can be gotten very cheaply, with a free plan, in the usa. although i think the phone you get from the program changes. i got mine because i got on foodstamps, at my family's request, and i wasn't set up with a working phone, and this worked out for me. it would be a good thing to make the phone run a custom rom so all the other people who use it could use a normal phone. it is not normal when bought. it is full of advertisements, very slow, and it wouldn't let me use it to tether. i think it has other limitations too. i searched earlier for OEM unlocking on the phone, but did not find it. now, with my experience just working on the unihertz titan, i found OEM unlocking. it is under system->advanced->developer options. although somebody told me this phone could not run a gsi, it looks pretty likely to me that it can. if the bootloader can be unlocked, and there is a public factory flasher, then we just need to put an appropriate treble system partition on it, and it might run like a thousand dollar phone from silicon valley, dunno

5 65

[ot][personal] cult reading notes
by Undiscussed Groomed for Male Slavery, One Victim of Many 21 Oct '22

21 Oct '22

as i get farther into the cult book, i understand the importance of writing down what you agree, disagree, or want to look more into, as the author says to do. it is so rare to hear somebody talking about what the book talks about, and it engages my experiences when done, that i can forget the things i disagree about with the author entirely and begin believing whatever he says. ch3: - i so much agree with BITE. nobody ever says this. systematic control of Behavior, Information, Thoughts and Emotions. [confused: BITE must mean how we are eating people's spirits like zombies eating brains.] - i don't think it's clear to call all influence groups cults when cults inspire images of people in robes worshiping dead animals, not really a huge thing - i disagree that meditation with belief in eventual levitation or flying is harmful. i believe this is a good thing, without destructive attributes itself, to give people inspiration to spend time becoming more thoughtful. i do not mind that popular science believes that levitation does not happen from pensation: many people hold belief systems that have disparity with popular science, and use this as reason for prayer or dedicated behavior. i have no trouble considering that this belief is _used_ harmfully by some people. i think personally i see the belief as an analogy to how, when you meditate well and long enough, you begin seeing more and more things that others do not ever see: things you can do, reasons people do things, etc etc. this seems it could become a similar super power to flying. personally, i found i develop a comparable feeling to flying when i gain mastery over my body like with skilled free running. - MOVE is mentioned as an example of a cult. it was an activism group for black people. given MOVE was so politically targeted that most members were killed by the police, it seems far more likely that the political targeting (and disreputating messaging) was engaging in any destructive influence than the group. counter ref 62 - similarly i am of course skeptical that a democratic workers collective would be a destructive cult, and worry some around political harm in the label; workers collectives have been repeatedly targeted, sometimes killed en masse by corporations or governments, in our nation's and global history. counter ref 64 fragment: pierce told me "some of us are felons, some of us have families." i mentioned worrying about being tracked with my phone to pierce. he had me turn it on, and then suddenly cory visited, and spoke to me about the red and the blue. he lay down on the floor next to pierce's bed, just waiting. we had an intuitive conversation where he would wait and be silent before each thing he said. [sarah said a fragment of an expression to me, as if people were saying things that only made sense if all taken together as parts of the same sentence] finished writing fragment 2022-08-20 1033 [the interaction seemed very influential and strange. cory would often say he "was just happy to be involved". he said he had come off a long hiking trail, but lived as a homeless person who never left the city. i was in an intense state of mind, near the end of behaving with strong intuition. i think i had taken a jesus emblem with me, and showed a text message to sarah on my phone.] - farther along, the author says that a concern around worrying about mind control is that everything can be seen as mind control, as if this is a struggle normal people have. i have also been exposed to this belief. it is not normal at all. where did it come from? - further: it seems reasonable to say that the only reason it would be unclear whether a group is destructive or non-destructive, after observing it, would be due to influence preventing this clarity. clearly this clarity is needed badly. - in the section regarding childhood sexual abuse, which explains how learned phobias produce an environment for repeat abuse, i became worried for a friend i love, who was sexually abused as a child. this worry shortly became numb and hidden for me, and is hard for me to consider now. - "Put a person into a situation where his senses are overloaded with non-coherent information, and the mind will go "numb" as a protective mechanism. It gets confused and overwhelmed, and critical faculties no longer work properly. It is in this weakened state that people become very open to suggestion." - i'm thinking of how my influence seemed to me to pretend to be the things i was passionate about, kind of starting off with offering a "deal" that if i "really wanted to get involved" i would need to do this or that - somewhat uncomfortable around the recommendation of trusting search results regarding terms like "criminal" or "abuser". i think i have hits around "criminal" as does somebody i respect have "abuser", where these hits are from disinformation in my opinion. one possible difference: if a powerful influence is involved and it is disreputing the person, the hits go near the top; if a powerful influence is involved and it is supporting the person, the hits go near the bottom. anyway it is very normal to do such web searchers, so it's mostly moot. - the book does not yet describe how the sharedness of indoctrination techniques between groups and how this indicates collaboration among the cult leaders. it could be important to remember that we are at a time where power is catalyzing and everyone must protect the freedom of the entire world. - it's hard for me to see forthright faith healing as a human rights violation; death is a needed part of life and truly is the domain of a deity, and the placebo effect is very strong. obviously if the efforts are deceptive or disinformative and non-spiritual in benefit or result, things are different. - maybe what's reasonable to consider here is that the author is describing a horrific lifelong torture that few people can imagine, and it is very hard to convey this to someone who has not experienced it. - the book mentions another book by Harvey Schwartz that mentions wolves and sheep and soldiers, and internalized perpetration. it is about terrorist recruitment of children, but likely the techniques and stories have overlap with other things. my experience had wolf/sheep/soldier themes. it seemed to me a wolf was a mind controller; it seemed to me a sheep was somebody who didn't want to be one; it seemed to me a soldier was somebody who had seen the horrors of these things (and [did urgent work?]) and had ptsd and other things from it. - it looks like the book author's community needs help setting laws to protect people from mind control groups - it would have been hard to help me as i [learned to] identified all things as my own psychological issues

5 35

[ot] cult influence and power, 1988-2018
by Undiscussed Groomed for Male Slavery, One Victim of Many 21 Oct '22

21 Oct '22

book title is not email subject dedication “I dedicate this book to people all over the world who have ever experienced the loss of their personal freedom, in the hope that it might help to ease their suffering and provide healing for themselves and their loved ones.”

3 22

Framing in criminal investigation: How police officers (re)construct a crime
by Gunnar Larson 19 Oct '22

19 Oct '22

Really found this essay on framing, deframing and reframing to be refreshing. Sometimes, when innovation happens it takes time for important parties to frame the internet and decifer if any potential criminality is cause for concern. Deframing and reframing are natural products of evolution. Innovation happens with reframing... like it or not. Check out 39 highlights on the subject here: https://drive.google.com/file/d/1iDHmDQuaN3JDcaTDnDhkdVyacYXiONDz/view?usp=…

1 1

xNY.io - Bank.org | DOJ Memo #4 - Goldman Sachs Deferred Prosecution Agreement
by Gunnar Larson 19 Oct '22

19 Oct '22

https://drive.google.com/file/d/1pwysH05O9rlrFVs_w1Jq3EiQdBoktCtt/view?usp=… March 10, 2022 BY ELECTRONIC MAIL Mr. John Marzulli United States Department of Justice Eastern District of New York 271 Cadman Plaza East Brooklyn New York, 11201 John.Marzulli(a)usdoj.gov Re: Memo #4 - Goldman Sachs Deferred Prosecution Agreement Dear Mr. Marzulli: The Department of Justice has yet to respond to Memo #1, Memo #2 and Memo #3 with our recent inquiry to the 1Malaysia Development Berhad Deferred Agreement. Goldman Sachs' Deferred Prosecution Agreement <https://www.justice.gov/usao-edny/pr/goldman-sachs-resolves-foreign-bribery…> with the United States of America is in potential breach, with ethical enforcement being concerned. Memo #4 aims to associate the malfeasance in Malaysia with war crimes of aggression (in the planning, initiation, or execution of a large-scale and serious act of aggression), leveraging the world’s only military divided capital city Nicosia, Cyprus. 1. Additionally, Memo #4 aims to earn the DOJ’s assessment of New York State’s regulatory marketplace manipulation deriving the war crime against peace, related to the planning, preparation, initiation, waging or participation in a common plan or conspiracy related to a war of aggression, which can only apply in relation to international armed conflict. 2. In this case, the first challenge is to observe and consider the simple idea that the DOJ’s Deferred Prosecution Agreement with Goldman Sachs alone, through means of regulatory arbitrage naively fails to recognize the ‘cause and effect’ relationship at play at the inception of Memo #4’s assertion of war crimes. 3. Even with the best of intentions, perhaps unknowingly the DOJ may be amplifying the effect of potential war crimes by indirectly supplementing the root cause of the problem and financial model of the Deferred Agreement being self-policing. Mr. Marzulli, there has been an active United Nations peacekeeping mission in Cyprus since the 1964 Turkish military invasion and occupation of the northern third of Cyprus. Only Turkey recognises the Turkish Republic of Northern Cyprus, while there is broad recognition that the ongoing military presence constitutes occupation of territories that are under Turkish military control. - The graduate education behind Memo #4 is a product of the University of Nicosia’s (UNIC) main campus, located adjacent to the United Nations Buffer Zone that separates the invaded Turkish Republic of North Cyprus and the Republic of Cyprus, which joined the European Union in 2004. - Memo #4 is also a product of United Nations consultancy, based at its Manhattan headquarters, where (today, what is now xNY.io - Bank.org) was credited with increasing the breadth and accessibility of reference content from the world’s most important multinational organization. - Memo #4’s subject of war crimes has preeminent association with such projects as the Audio Visual Library of International Law. Over the following sections, Memo #4 will provide a detailed timeline that would constitute real concern of the war crime of aggression yielding the war crime against peace in active war conflict in the world’s only military divided capital, funded from Manhattan Island. The Bank of Cyprus and Illegal Short Selling Irregularities of Turkey’s Markets Mr. Marzulli, turn this matter as we will, and look at it from any side whatsoever, and it presents the appearance of a cross-border act of aggression. Goldman Sachs’ potential disrespect to the Deferred Agreement’s core values has cultivated new crimes that aim to manipulate cross-border war crime regulatory frameworks. - On April 02, 2021 the Financial Times reported that Turkey fined Goldman Sachs over alleged irregularities in short selling, just a week after foreign investors pulled $1.9B from the country’s stock and bond markets. Turkey’s Capital Markets Board said that Goldman Sachs was among 10 securities firms that had placed orders for short selling without proper notification, violating rules enacted previously that temporarily prohibited such transactions. - On April 20, 2021 the CyprusMail (Cyprus’ only English Language daily newspaper) reported Goldman Sachs International acted as Global Coordinators and Dealer Managers in a $330M bond issuance for the Bank of Cyprus. Given the active military conflict in Cyprus, Memo #4 notes that there is one place on the planet you are not supposed to do this sort of thing. Furthermore, the DOJ’s Deferred Agreement with Goldman Sachs may have been tainted with the potential war crime of aggression, risking international peace and the lives of United Nations peacekeepers, while jeopardizing the United States of America’s financial security. Concern of New York Prime Bank Instrument Fraud and Marketplace Manipulation The United States Department of the Treasury warns that Prime Bank Instrument Fraud schemes have attracted significant international attention, since individuals and organizations have lost billions of dollars worldwide. "Prime Bank Instrument Fraud" is the general term given to prime bank fraud schemes that go by many different names. During April 2021, Goldman Sachs could not in good faith (and, plausible deniability) make any reasonable claim of holding a pristine relationship with Turkey’s Central Bank or with Cyprus’ largest financial institutions, given the 1Malaysia Development Berhad scandal and then pending Deferred Prosecution Agreement with the United States of America. - Memo #4 suggests that Goldman Sachs developed a Prime Bank Instrument Fraud program to level out yo-yo market dynamics caused by failed marketplace manipulation exercises in Turkey and Cyprus. - Systematic bank fraud and/or marketplace manipulation of any kind between Turkey and Cyprus could constitute the war crime of aggression. - Furthermore, Memo #4 argues that Goldman Sachs may have tried to bambooze governments in New York, Cyprus and Turkey through regulatory arbitrage loopholes, while Goldman seemingly may have not considered the totality of such actions as war crimes. Turkey has the highest inflation in Europe. It has the second-highest rate of inflation among emerging markets, just behind Argentina. It has the 13th highest inflation rate in the world, ranking it between South Sudan and Nigeria. After Goldman Sachs was fined for illegal stock and bond market short selling by the Turkish government, logic would argue further malfeasance potentially could have been avoided by the DOJ’s 1Malaysia Development Berhad investigation. - On April 15, 2021 CNBC reported that Goldman Sachs (note, the previous section’s milestones of April 02, 2021 and April 20, 2021) crucially removed its bias toward Turkey tightening interest rates. Goldman issued guidance highlighting the fact that the bank thought that, “…the removal of the tightening bias against rising inflation expectations suggests that the TCMB (Turkish Central Bank) now has a more dovish reaction function.” - On August 14, 2021 the CyprusMail reported serious concern among economists about data reporting from the Turkish Statistical Institute. Ahmet Takan, a former official with the office of the Turkish prime minister, acted as a whistle blower, warning that Turkey potentially was manipulating inflation data. - On September 1, 2021 Reuters reported that Goldman Sachs hiked Turkish growth forecasts. Goldman economists issued guidance stating, "Overall, the Turkish economy has been able to grow faster than we thought without a deterioration in its external balances, as the pickup in foreign demand has been very supportive." - On November 30, 2021 Reuters reported that Goldman Sachs trimed Turkey’s 2022 growth forecast. Goldman Sachs' Murat Unur stated, "We think that the GDP figures released today tell us little about the pace of economic activity going forward as the recent sell-off in the Lira is likely to impact economic activity significantly" Mr. Marzulli, the DOJ’s Deferred Prosecution Agreement with Goldman Sachs was signed on October 21, 2021. The timeline of events above do not coincide with terms and conditions of the Deferred Agreement mandated by the United States of America. Furthermore, as an international graduate scholars of the world’s only military divided capital on the planet, xNY.io - Bank.org should be protected from any association of crimes against peace, related to the planning, preparation, initiation, waging or participation in a common plan or conspiracy related to a war of aggression, which can only apply in relation to international armed conflict. War Crimes Against Humanity Mr. Marzulli, xNY.io - Bank.org is concerned that potential breaches to the Deferred Agreement are impacting our global enterprise. Crimes against humanity can be committed in peacetime as well as during an armed conflict. Even a single act could fall under this exclusion ground provided it forms part of a widespread or systematic attack against a civilian population and the act is committed by any person (including a civilian) who had knowledge of the attack and the link of the act to the attack. 1. We are looking to learn more about the DOJ’s approach to assessing any potential breaches to the Deferred Agreement’s mandates as we determine New York State’s role in cross-border bank regulation and corresponding innovation beyond war crimes against humanity. 2. In order to establish whether a war crime or a crime against humanity has been committed, the case officer should consult the relevant international instruments and case law. 3. Crimes against humanity are fundamentally inhumane acts, committed as part of a systematic or widespread attack. Inhumane acts, which could reach this threshold when committed pursuant to or in furtherance of a State or organizational policy (potentially, New York State bank regulation). 4. Persecution against any identifiable group or collectivity on political, racial, national, ethnic, cultural, religious, gender, or other grounds that are universally recognised as impermissible under international law. 5. Furthermore, we have made 28 highlights to the Deferred Agreement providing supporting reference to Memo #4’s overarching premise. xNY.io - Bank.org submits Memo #4 for DOJ consideration of other inhumane acts of a similar character intentionally causing great suffering, or serious injury to body or to mental or physical health. Some crimes against humanity would require an additional specific intent, such as Goldman Sachs willfully disrespecting New York State and/or overall peace and security of the United States of America. Memo #1, Memo #2, Memo #3 and Memo #4 outline instances that correspond with the associated definitions of the potential war crimes abroad and jeopardize the future of bank innovation from New York, at great sacrifice to the Homeland. We hope to learn the DOJ’s approach to comment on Memo #4’s subject matter or, without delay refer these concerns to the International Criminal Court and/or International Court of Justice for comment. Respectfully yours with anticipation, Gunnar Larson - xNY.io <http://www.xny.io> | Bank.org <http://bank.org>MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107

1 10

158 highlights to DONALD J. TRUMP, vs. HILLARY R. CLINTON.
by Gunnar Larson 19 Oct '22

19 Oct '22

158 highlights to DONALD J. TRUMP, vs. HILLARY R. CLINTON. Honestly, I understand the FBI's scenario here. Why on god's green Earth would New York be used and abused while at the expense of innovation. DONALD J. TRUMP, vs. HILLARY R. CLINTON: https://drive.google.com/file/d/1zggK7lgptlZ6Qn11EndzbDloqqVxRifv/view?usp=…

1 7

xNY.io - Bank.org | Memo #2 - JPMorgan Chase Board of Directors ESG Marketplace Manipulation
by Gunnar Larson 18 Oct '22

18 Oct '22

https://docs.google.com/document/d/1bxERzXknAFfVW3YsDpNB-GPlVoiLAeeBXUrxwOF… May 1, 2022 BY ELECTRONIC MAIL Investor Relations Board of Directors, JPMorgan Chase & Co. 277 Park Avenue New York, NY 10172-0003 JPMCinvestorrelations(a)jpmchase.com Re: JPMorgan Chase Board of Directors ESG Marketplace Manipulation Dear Board of Directors: xNY.io - Bank.org recently contacted JPMorgan Chase’s board of directors to communicate our concern(s) that potentially JPMorgan Chase may be engaging in exploitation of more than $100B of ESG asset liabilities, across international regulatory arbitrage structures, while headquartered in Manhattan. Specifically, the duty to promote the success of the company is that a director must act in the way that she considers, in good faith, and would be most likely to promote the success of the company for the benefit of its members as a whole. - Failure by a board to adequately consider ESG-related risks, particularly entity-specific compliance risks such as breach of securities laws, could serve as the basis for liability of individual directors or officers for breach of their fiduciary duties. Given JPMorgan’s five cout felonies, xNY.io - Bank.org is concerned with your board of director governance in preventing ESG fraud. xNY.io - Bank.org’s assessment of JPMorgan’s board embraces fundamentals including liquidity risk and protecting New York ESG cross border innovation from marketplace manipulation. - According to JPMorgan’s August 2021 Sovereigns and ESG whitepaper, the bank states that governance carries the largest weight of the three ESG pillars across scores, as it is the most empirically relevant for asset prices. - JPMorgan notes that philosophically, the bank views good governance as a foundational pillar for positive ESG developments in other pillars. Today’s memo follows protocol suggested by the United States of America, in that JPMorgan Chase’s board of directors is responsible to xNY.io - Bank.org’s enterprise and the Department of the Interior, in connection with any action alleging a violation of the Endangered Species Act, by any person (“person” means an individual, corporation, partnership, trust, association, or any other private entity) claiming the benefit of any exemption or permit under the Act, who shall have the burden of proving that the exemption or permit is applicable, or has been granted, and was valid and in force at the time of alleged violation. xNY.io - Bank.org has made 91 highlights to the Department of Interior’s Endangered Species Act for JPMorgan Chase’s board of directors reference. 1. xNY.io - Bank.org has reason to believe in the JPMorgan Chase board of directors’ engagement of ESG marketplace manipulation, risking your ESG portfolio’s future at the cost of New York digital asset innovation. 2. xNY.io - Bank.org references your 2021 Environmental Social and Governance Report, totaling $117B of ESG “development funding” transferred from New York to Caribbean and Eastern European accounts. 3. xNY.io - Bank.org is concerned of JPMorgan Chase board directors leveraged marketplace manipulation techniques in allocating ESG funds to engage in potential harassment (the term "harassment" means any act of pursuit, torment, or annoyance) of some of the world’s most precious endangered species protected by domestic and international governance. 4. JPMorgan Chase’s $2.3B ESG “wind farm” facility is characterized by the Washington Post as a potential misuse of ESG assets (and board policies) to fund probable violation(s) of the Marine Mammal Protection Act of 1972. Looking internationally, xNY.io - Bank.org is concerned of further ESG marketplace manipulation structures, sacrificing endangered species, via JPMorgan Chase’s board directed ESG investments in the Caribbean (your largest ESG investment region). xNY.io - Bank.org signals that JPMorgan’s board of directors is party to the Convention on Nature Protection and Wild Life Preservation in the Western Hemisphere. Being clear, any violation of the Endangered Species Act, the Marine Mammal Protection Act and/or the Convention on Nature Protection and Wild Life Preservation in the Western Hemisphere … Requires xNY.io - Bank.org to consult JPMorgan Chase board members on ESG allocations that may be in conflict with construction, or other development projects, or other forms of economic activity. xNY.io - Bank.org asks JPMorgan Chase board directors to return the Secretary of Department of the Interior’s approval, confirming licensing and/or exclusion to the Endangered Species Act, with further authorization of “harassment” pursuant to exemption(s). Including (if available) a similar Environmental Protection Agency permit that is applicable and is valid and in force. - Due to the riskiness of ESG portfolio mismanagement in violation of the Endangered Species Act, ESG marketplace manipulation risk(s) may trigger causal shocks to New York State monetary and regulatory innovation. - According to JPMorgan’s sovereign fund ESG research, “A common complaint about ESG analysis is that data can be difficult to source. Some sovereign data is in fact more readily available than corporate data given the multitude of multinational organizations and NGOs – including the World Bank, the IMF and the United Nations.” - The European Central Bank provides support to the eurozone sovereign debt market but has more restrictions on what and how much it can buy, so eurozone bonds can trade with more credit risk premium compared to other major developed market bonds. - Whatever the case may be, JPMorgan disclosures detail significant concern of lapse in board governance and ESG portfolio risk with potential violation of the Endangered Species Act, risking ESG portfolio default(s) in Europe and the United States risking ESG customer financial abuse. Forbes recently profiles JPMorgan Chase ESG investments as problematic, highlighting that your board of directors potentially are allocating ESG proceeds in competition with human rights at the expense of customers’ best interests while investing heavily in fossil fuels. A letter to JPMorgan Chase’s board of directors from ESG scholars (including, The Sierra Club, Public Citizen, Greenpeace, Amazon Watch, Revolving Door Project, Rainforest Action Network and the Center for International Environmental Law) suggests the bank would “...lock us into energy sources that are overly expensive and subject to wild price swings, and that exacerbate rather than ease global conflict.” xNY.io - Bank.org aims to protect ESG digital asset innovation and JPMorgan’s board should understand your proprietary ESG scoring matrix should signal seismic marketplace manipulation risk if directors are in potential violation of any Endangered Species Act covenant. - Head of Europe, Middle East, and Africa (EMEA) distribution at JP Morgan Asset Management says, “In Europe, we do not have a semi-transparent product – like the US and Australia – which would add further complexity to the trading. For example, the US has several models which make it harder for the AP to guess what the actual fund looks like and therefore the costs might be higher accordingly.” - Given, JPMorgan may potentially be in breach of United States Endangered Species Act provisions, similar risk of ESG asset failure(s) may include Europe, Middle East, Africa and Australia international law, as ratified by the Convention on International Trade in Endangered Species of Wild Fauna and Flora. While directors and officers are likely to be particularly focused on the risk that they may be found personally liable for a breach of their duties, proper ESG compliance with fiduciary obligations requires acting to a higher standard. Given the defenses available to fiduciaries, and the difficulty in bringing claims for breach of fiduciary duty, a director or officer found to be liable for such ESG breaches will generally have acted egregiously. This ‘sliding scale’ of the standards to which directors and officers should adhere. Following the Endangered Species Act, xNY.io - Bank.org kindly petitions JPMorgan’s board of directors, in connection with all ESG investments, claiming the benefit of any exemption or permit under the United States Department of the Interior’s Endangered Species Act … Shall have the burden of proving that an exemption or permit is applicable, or has been granted, and is valid and in force. - At JPMorgan’s earliest convenience (within 60 days of receipt of this memo) xNY.io - Bank.org kindly requests a certified copy of JPMorgan Chase’s approval by the Department of the Interior, being a license and/or exclusion to the Endangered Species Act and/or the Marine Mammal Protection Act. - JPMorgan Chase suggests a commitment to anti-corruption compliance is central to the success of its business. Your board of directors stand to maintain that trust by promoting a corporate culture that encourages ethical business practices and compliance with both the letter and the spirit of the laws of the countries in which the JPMorgan conducts business. xNY.io - Bank.org’s research guidance from the United States Securities and Exchange Commision, supports the international community in taking actions to address ESG issues on a global basis, and those actions that can have a material impact on companies. Future correspondence concerning ESG innovation is at your board’s leisure. Respectfully yours with appreciation, Gunnar Larson | xNY.io <http://www.xny.io> - Bank.org <http://bank.org>, PBC MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107

1 1

xNY.io - Whitepaper (Full Text)
by Gunnar Larson 18 Oct '22

18 Oct '22

“We’ve got to change the cost-benefit calculus of criminals and nation-states who believe they can compromise U.S. networks, steal U.S. financial and intellectual property, and hold our critical infrastructure at risk, all without incurring any risk themselves...” (Wray 2020) <https://sciwheel.com/work/citation?ids=10936531&pre=&suf=&sa=0>. What organizational HR management techniques are required for an enterprise to actively convince hundreds, if not thousands, of employees, clients and customers to pursue their strategy while knowing it was fatally flawed? -------- xNY.io CRYPTOBANK Table of Contents Introduction 2 <https://docs.google.com/document#heading=h.qw9a2wl4q92s> Focus, Goals and Objective(s) 3 <https://docs.google.com/document#heading=h.c0rh86mvw9ua> Strategic Intent 4 <https://docs.google.com/document#heading=h.kuxwgdwni6p4> Innovation Strategy 5 <https://docs.google.com/document#heading=h.7ueepdr7oduo> Pioneering Human Resources (HR) Management in Banking 6 <https://docs.google.com/document#heading=h.c2qklq4en1vv> The Bitcoin Blockchain, Human/Civil Rights and Computer Crimes 7 <https://docs.google.com/document#heading=h.e9qgh4ilxr33> Goldman Sachs’ Organization HR Management Analysis (MoneyGram and Ripple) 8 <https://docs.google.com/document#heading=h.6rxby3kdxyer> www.JUMO.World and Banking Africa 9 <https://docs.google.com/document#heading=h.i05ave1q4rbi> Earth_ID: Because Owning Your Identity is a Human Right 10 <https://docs.google.com/document#heading=h.fsblwc7lwh45> CryptoBank Environmental Analysis 11 <https://docs.google.com/document#heading=h.hilka03j6nc> The NEXO.io Conundrum 12 <https://docs.google.com/document#heading=h.q9hwlwczdyhq> The Fireblocks Conundrum 13 <https://docs.google.com/document#heading=h.tkx9xi4801g> Computer Software and the Blockchain Platform 14 <https://docs.google.com/document#heading=h.49okvir8vwmq> Virtual Currency: Computer Software Protocols and Processes 15 <https://docs.google.com/document#heading=h.u1gw0w9y52p> Bank.org: Revolutionary Approaches to Agile Innovation 16 <https://docs.google.com/document#heading=h.2aa81ldquwqy> Conclusion 17 <https://docs.google.com/document#heading=h.wuzm4oh1p4gz> Bibliography 19 <https://docs.google.com/document#heading=h.1qq38owyyhee> Introduction Crypto and Blockchain are each a Human Right. For all, everywhere. 1. How does New York based bank fraud happen from the inside? People who commit crimes comprise departments and divisions of corporate organizations, and some current Human Resources (HR) management cultures lend well to the committing of crimes. 2. What organizational HR management design structures are at play to architectect such fraud for bespoke juristical instances? 3. Is there a unique opportunity for a fresh and clean New York-based international bank such as Bank.org? xNY.io argues that modern and innovative Executive Suites pioneer organizational HR management with the CEO and CFO leading the pack as the most ethical example for members in their organization. This key distinction calls for leaders to always adhere to a very strict, yet progressive, standard of ethics, even when it’s inconvenient. World renowned executive Jack McCullough suggests strict adherence is necessary, especially when it’s inconvenient. McCullough says that if you’re seen as a CEO and CFO “who will compromise when convenient, this approach will cause colleagues to consider all the talk about ethics to be lip service” (McCullough 2019) <https://sciwheel.com/work/citation?ids=10934566&pre=&suf=&sa=0>. The leadership at xNY.io is clear-eyed, recognizing the importance of an extensive review program which seeks to explore all aspects of the following criteria as part of Legal, Compliance, and Governance (Bloomberg 2021) <https://sciwheel.com/work/citation?ids=10935129&pre=&suf=&sa=0>, which is our internal due diligence framework based on first class industry standards and best practices (xNY.io | Bank.org n.d.) <https://sciwheel.com/work/citation?ids=10934818&pre=&suf=&sa=0>. In summary, this HR management innovation essay outlines and explores three key concerns for modern Bank and CryptoBank organizations. These concerns are signaled by our regulators who rightly suggest that it is critically important that the organizers identify, at the beginning of the process, an available management team and board of directors (NY-DFS 2008) <https://sciwheel.com/work/citation?ids=10935584&pre=&suf=&sa=0>: 1. The theory of modern virtual currency cross-border regulation logic (Larson 2020a) <https://sciwheel.com/work/citation?ids=10935777&pre=&suf=&sa=0>. 2. How to protect xNY.io’s strategic partnership with Bank.org and its mandate to pioneer innovation(s) and noble advancement of modern international banking? 3. Whereas, it is essential to safeguard virtual currency and its potential to galvanize international, economic and social advancement of all peoples (United Nations 1948) <https://sciwheel.com/work/citation?ids=10936242&pre=&suf=&sa=0>. Most importantly, what organizational HR management structures are necessary to execute the proposed xNY.io and hybrid model framework, while engaging agile innovation to explore the potential of growing Bank.org into the World’s Best Bank and headquartered in New York (NY-DFS 2019) <https://sciwheel.com/work/citation?ids=10936021&pre=&suf=&sa=0>? Focus, Goals and Objective(s) Why would a New York bank build organizational HR strategies with the sole purpose of taking advantage of the most vulnerable for exorbitant profit? xNY.io’s focus is to fill a need in clarifying New York’s virtual currency standards to achieve progressive innovation while constantly promoting respect for human rights and personal freedoms by progressive measures, national and international, to secure their universal and effective recognition and observance across all global territories of business, protecting all peoples and all nations (United Nations 1948) <https://sciwheel.com/work/citation?ids=10936242&pre=&suf=&sa=0>. Our simple strategy rests in the fact that virtual currency has cross-border utilities (European Commission 2021) <https://sciwheel.com/work/citation?ids=10951557&pre=&suf=&sa=0>. Our real world experience has uncovered the strategy of a New York bank's misemployed Manhattan Island as a walled garden for bad HR management camps while wrongfully profiting off of the back of the most vulnerable across global markets (Law 360 2021) <https://sciwheel.com/work/citation?ids=10951562&pre=&suf=&sa=0>. Our goal is to profit off the pivot from the textbook definition of marketplace manipulation, discussed herein related to the feasibility of automating stock market manipulation (Association for Computing Machinery 2020) <https://sciwheel.com/work/citation?ids=10937107&pre=&suf=&sa=0>. The Supreme Court placed emphasis on the central role of deception to the concept of fraud.“ (T)he words ‘to defraud’ . . . primarily mean to cheat, . . . usually signify the deprivation of something of value by trick, deceit, chicane, or overreaching, and . . . do not extend to theft by violence, or to robbery or burglary.” (Hammerschmidt v. United States 1924) <https://sciwheel.com/work/citation?ids=10937278&pre=&suf=&sa=0>. Bank.org feels confident in our knowledge and our direct dialogue with over 100 of the world’s leading scholars on the subject of international law: (Morris 2008) <https://sciwheel.com/work/citation?ids=10942187&pre=&suf=&sa=0> - The International Criminal Court investigates and punishes people for genocide, crimes against humanity, and war crimes (Wikipedia 2021a) <https://sciwheel.com/work/citation?ids=10942253&pre=&suf=&sa=0>. - The International Court of Justice, sometimes referred to as the World Court, has two major functions. Firstly, it settles disputes, which the member countries may bring before it. Secondly, it may give its opinions on legal matters (Wikipedia 2021b) <https://sciwheel.com/work/citation?ids=10942250&pre=&suf=&sa=0>. The objective of xNY.io’s research essay summarizes the discussion of New York bank organizations and the corresponding HR management architectures designed to target maximizing profits through conscious marketplace manipulation structures. The best xNY.io CryptoBank must be concerned with pioneering a business beyond leveraging computer crimes, a marketplace manipulation matter associated with current New York BitLicense architecture and subject to our attention related to cross-border/international organized groups that are cyber-based in New York (Federal Deposit Insurance Corporation 1989) <https://sciwheel.com/work/citation?ids=10942239&pre=&suf=&sa=0>. Strategic Intent Imagine trying to open the best bank in the world and running up against BitLicense regulatory arbitrage (Poster 2019) <https://sciwheel.com/work/citation?ids=10959604&pre=&suf=&sa=0> just a few Manhattan blocks away. Composing a richly robust innovation strategy calls for a clear and honest appraisal of current marketplace conditions and identifying the firm’s current status. This requires xNY.io to not only be ambitious but also extremely articulate in outlining our strategic intent. We see our key competitive advantage in cleverley leveraging our vision cohesively with all available resources and modern ideals of Bank.org. Bank.org is aware that our uniqueness is very difficult for competitors to imitate. In her book Strategic Management for Technological Innovation, Mellissa Schilling suggests that the New York banking sector may be characterized as an oligopolistic industry in that there is a low degree of rivalry. Schilling explains that sometimes competitors choose to avoid head-to-head competition as a price collusion tactic (Schilling 2019) <https://sciwheel.com/work/citation?ids=10951587&pre=&suf=&sa=0>. Being extremely clear and transparent, xNY.io's business models emphasize taking advantage of our competitors who have designed global regulatory abtrigatre frameworks at the expense of our customers (Buchak et al. 2017) <https://sciwheel.com/work/citation?ids=10956108&pre=&suf=&sa=0>. Bank.org's stakeholder analysis highlights that many New York banks have ignored the ethical and moral implications of designing HR management structures with the sole purpose of training employees to act as footmen/footwomen in defrauding a global customer base. Furthermore, these bad actors revel in the naivety of potential rivals and government regulators as an operative procedure of HR management. Through an analysis of the best agile innovation strategy for execution, xNY.io and Bank.org have partnered to engage both backward vertical integration AND horizontal integration techniques (Tarver & James 2021) <https://sciwheel.com/work/citation?ids=10951616&pre=&suf=&sa=0>: - xNY.io is vertically integrating backwards by producing our own advanced blockchain technology for global payments. - Bank.org aims to actively engage leveraged buyouts of competitor banks, a practice that is considered horizontal integration (Kenton & James 2021) <https://sciwheel.com/work/citation?ids=10951605&pre=&suf=&sa=0>. >From the very beginning, xNY.io and Bank.org’s ethical and moral incentives have been strategically integrated into a modern and innovative hybrid infrastructure. Spanning key global functions including (but not limited to) reserve management, international legal counsel, and public and government affairs and relations, we consider ethics to be a quality management concern. Honestly, the implications of our strategic intent are derived from the morals of our founders who seek to efficiently secure the smooth function of our cross-border operations. Innovation Strategy We recognize our competitors see modern innovation as merely improving efficiency of obsolete legacy bank systems and processes to keep their operations afloat. It is extremely troublesome that many New York bank HR leaders’ modi operandi detail strategies of seeking new revenue channels that target the most vulnerable across first to third world markets (Ripple 2013a) <https://sciwheel.com/work/citation?ids=10951672&pre=&suf=&sa=0>. - As part of our ethical leadership agenda, articulating xNY.io’s strategic intent enables the firm to incorporate our innovation practice into Bank.org’s cross-border development and rollout. Capital investments are required as part of a multidimensional performance architecture, along with real-time systems and computational analyses. - Our honest deliberation and critical assessment of xNY.io’s strategic intent and development of new computational technologies brought to light the concern of competitors' engagement in computer crimes discussed in the following section. We recognize that true innovation goes beyond juvenile process efficiencies. Our innovation strategy constantly anticipates the future by recognizing where industry peers are failing today. This allows us to identify and execute products and services that are better - extremely better - than what the industry offers today. Schilling notes that successful and innovative firms question existing price performance assumptions. They attract customers by developing and introducing products that extend well beyond current market requirements and help mold the market’s expectations for the future (Schilling 2019) <https://sciwheel.com/work/citation?ids=10951587&pre=&suf=&sa=0>. This separates us from our competitors' desperate attempts to cut costs rather than ethically addressing and improving their HR operations with corresponding moral incentives. Pioneering Human Resources (HR) Management in Banking As international scholars (Mills 2006) <https://sciwheel.com/work/citation?ids=10951797&pre=&suf=&sa=0>, our founders believe in the future of virtual currencies and blockchain platform computer software. This belief has been cultivated and nurtured by some of the most recognized pioneers of the global blockchain industry (Bourne et al. 2018) <https://sciwheel.com/work/citation?ids=10951810&pre=&suf=&sa=0>. We consider virtual currency and blockchain technology to be precious, appreciating assets with various growing benefits over the course of one’s lifetime. Rolling Stone profiles the New York bank JP Morgan Chase and the bank’s HR management techniques, highlighting the conscious disregard of the ethical and moral standards from Chase’s Executive Suite knowingly excited the peddling of bad products stuffed with scratch-and-dent loans to investors without disclosing the obvious defects of the underlying loans (Taibbi 2014) <https://sciwheel.com/work/citation?ids=10961062&pre=&suf=&sa=0>. Chase has repeated deal after deal with the same poor and fraudulent organizational HR management methodology, as did many other banks. Rolling Stone goes on to say, “It’s theft on a scale that blows the mind.” New York banks and Silicon Valley technology firms have a long history of not only challenging but actively attacking beliefs that virtual currency and blockchain are innovative tools for means of payment and stores of value, going so far as to launch an ever-popular campaign: “Bitcoin has no value at all” (Torpey 2018) <https://sciwheel.com/work/citation?ids=10951846&pre=&suf=&sa=0>. It is safe to say that between New York and Silicon Valley, many organizations, through their various HR management structures, have made calculated efforts to kill the blockchain economy before it even got off the ground (Al-Naji et al. 2018) <https://sciwheel.com/work/citation?ids=10951869&pre=&suf=&sa=0>. - For example, New York, Europe and Africa are connected by a freeway of cross-border arbitrage frameworks. Due to easily exploitable laws in developing countries, some BitLicensees’ operations straddle New York, Europe and Africa to evade detection and prosecution from law enforcement. - Through various HR management structures, New York banks have consciously exacerbated regulatory loopholes resulting in virtual currency market manipulation affecting international computer technology systems and software such as the Bitcoin blockchain (Conway 2020) <https://sciwheel.com/work/citation?ids=10951897&pre=&suf=&sa=0>. - Speaking generally, at least during the Bitlicense’s 2015-2020 implementation phase, New York banks likely leveraged the BitLicense seeking to increase profits from cross-border virtual currency market manipulation (Pettinger 2019) <https://sciwheel.com/work/citation?ids=10960704&pre=&suf=&sa=0>. - The entire design for executing a loophole virtual currency standard only comes into practice if a group of New York HR managers, at the direction of the Executive Suite, puts together a scheme in secret to manipulate a bunch of technical rules that laymen don’t understand to deprive people of their money (Bagchi 2020) <https://sciwheel.com/work/citation?ids=10948490&pre=&suf=&sa=0>. >From the position of absolute and essential need of becoming a leading international bank, Bank.org has no other choice than to pioneer a necessary HR culture that supports our primary activities of operation. It is true that xNY.io came into existence as a tech-based response to the stated problems that specifically addresses both the threats of future damage and the current cross-border computer crime merry-go-round responsible for extortionate damage already inflicted. “We’ve got to change the cost-benefit calculus of criminals and nation-states who believe they can compromise U.S. networks, steal U.S. financial and intellectual property, and hold our critical infrastructure at risk, all without incurring any risk themselves...” (Wray 2020) <https://sciwheel.com/work/citation?ids=10936531&pre=&suf=&sa=0>. The Bitcoin Blockchain, Human/Civil Rights and Computer Crimes Bank.org is wise to objectively research and strategically organize its HR leadership position as a pioneer, in comparison to current New York bank management structures. Given that honest and fair dealing of virtual currency is critical to blockchain technology, should admitted felons and serial miscreants (Martens & Martens 2020) <https://sciwheel.com/work/citation?ids=10948539&pre=&suf=&sa=0> be allowed to further expand their racket via global regulatory arbitrage and/or computer crimes? 1. Satoshi Nakamoto’s Bitcoin whitepaper states, “What is needed is an electronic payment system based on cryptographic proof instead of trust, allowing any two willing parties to transact directly with each other without the need for a trusted third party” (Nakamoto 2008) <https://sciwheel.com/work/citation?ids=10951932&pre=&suf=&sa=0>. 2. New York State Human/Civil rights laws are applicable internationally. “If a resident person or domestic corporation violates any provision of this article by virtue of the provisions of this section, this article shall apply to such person or corporation in the same manner and to the same extent as such provisions would have applied had such act been committed within this state except that the penal provisions of such article shall not be applicable” (N.Y. Executive Law 2019) <https://sciwheel.com/work/citation?ids=10952341&pre=&suf=&sa=0>. 3. Congress amended the definition of “protected computer” to make clear that this term includes computers outside of the United States so long as they affect interstate or foreign commerce or communication of the United States. This change addresses situations where an attacker within the United States attacks a computer system located abroad. This change also addresses situations in which individuals in foreign countries route communications through the United States with intent to extort from any person any money or other item of value, transmitted via interstate or foreign commerce (U.S. Congress 2002) <https://sciwheel.com/work/citation?ids=10952375&pre=&suf=&sa=0>. Courts have interpreted expansively to define not only schemes to defraud individuals of money or property, but also schemes to defraud individuals of intangible interests and rights. Additionally, both mail and wire fraud statutes have been expanded to include schemes to deprive individuals of “honest services” (Eltringham 2015) <https://sciwheel.com/work/citation?ids=10951979&pre=&suf=&sa=0>. What organizational HR management techniques are required for an enterprise to actively convince hundreds, if not thousands, of employees, clients and customers to pursue their strategy while knowing it was fatally flawed? Goldman Sachs’ Organization HR Management Analysis (MoneyGram and Ripple) MoneyGram, which has about 227,000 global money transfer agent locations in 191 countries and territories, was recapitalized in 2008 (same year of Bitcoin's whitepaper). Goldman Sachs acquired an equity interest of 63 percent in MoneyGram for about $710 million. Per the 2008 agreement, MoneyGram also received $500 million in debt financing from Goldman Sachs (Cordeiro 2011) <https://sciwheel.com/work/citation?ids=10952410&pre=&suf=&sa=0>. Walmart is the only MoneyGram agent, for both the Global Funds Transfer and Financial Paper Products segments, that accounts for more than 10% of revenue. In 2020, Walmart accounted for 13% of total MoneyGram’s revenue and 16% in 2019 and 2018. Goldman Sachs (Investor) has a Participation Agreement with Walmart Inc. (Walmart) under which the Investor is obligated to pay Walmart certain percentages of any accumulated cash payments received by the Investor in excess of the Investor's original investment in the Company (MONEYGRAM INTERNATIONAL INC 2021) <https://sciwheel.com/work/citation?ids=10952491&pre=&suf=&sa=0>. In 2016, Ripple received New York’s First NY-DFS BitLicense for an Institutional Use Case of Digital Assets (Larsen 2016) <https://sciwheel.com/work/citation?ids=10953308&pre=&suf=&sa=0>. Shortly after being NY-DFS accredited, Ripple announced it was teaming up with MoneyGram to test payments using Ripple’s xRP virtual currency. During this time, Ripple was making headlines as the xRP digital currency had surged — and fallen — dramatically (Browne 2018) <https://sciwheel.com/work/citation?ids=10953324&pre=&suf=&sa=0>. Soon after, Ripple announced a $50 million investment in MoneyGram snagging a 10% equity stake in the firm. Brad Garlinghouse, Ripple’s CEO, added that his firm would support MoneyGram’s “further expansion” into the European and Australian payment corridors (De 2019) <https://sciwheel.com/work/citation?ids=10953333&pre=&suf=&sa=0>. - Connecting the dots, MoneyGram is now one of the most expensive transfer providers (Tierney 2019) <https://sciwheel.com/work/citation?ids=10953437&pre=&suf=&sa=0> on planet Earth. Customers incur fees for postal mail, telephone calls, electronic mail, and other computerized messaging services. - Computer crimes as a threat are no less of a threat because it is contingent, because the speaker does not intend or is unable to carry it out when the threat was not directly communicated to the MoneyGram customer as a target, or because the language used might be considered cryptic or ambiguously not part of the current New York BitLicense mandate. - Ripple simply made MoneyGram’s business more efficient, thus accruing more profits for Goldman Sachs directed out of Manhattan. From 2019 - 2020, MoneyGram received more than $40 million in market development fees from Ripple Labs in return for providing liquidity to its On-Demand Liquidity (ODL) network. It can be calculated that 10%-15% of the proceeds came from Walmart customers, who are some of the most disenfranchised Americans financially. Over the last five years, through conscious organizational HR management, Goldman Sachs created layer upon layer of New York BitLicense-related disguises and cross-border systems under potential conspiracy and plausible deniability to computer crimes and marketplace manipulation. Goldman Sachs' various direct and/or indirect BitLicensee connections profit daily from virtual currency market manipulation computer crimes with cross-border reach, operating as a large syndicate group from lower Manhattan. www.JUMO.World and Banking Africa What is astonishing is that Ripple is powering some of JUMO’s bank customers (Ripple 2020) <https://sciwheel.com/work/citation?ids=10959408&pre=&suf=&sa=0>, in a troublesome manner similar to MoneyGram. New York banks have a long and profitable history of exploiting regulatory arbitrage. Similar to the MoneyGram instance, some evidence shows that Goldman Sachs also seems to have entered Africa. Given that several enforcement actions and lawsuits in the United States specifically targeted banks’ treatment of minority borrowers (Taibbi 2014) <https://sciwheel.com/work/citation?ids=10961062&pre=&suf=&sa=0>, it may not be surprising to learn of www.Jumo.World or “JUMO” (Buchak et al. 2017) <https://sciwheel.com/work/citation?ids=10956108&pre=&suf=&sa=0>. A domain extension, in this case “.World” domain, is the targeted subject area of a computer program. It is a term used in software engineering (Wikipedia 2021) <https://sciwheel.com/work/citation?ids=10968017&pre=&suf=&sa=0>: - During the fourth quarter of 2018, JUMO successfully finalized a $65 million capital raise that was led by Goldman Sachs in New York. JUMO is a full technology software stack for building and running financial services, targeted at the world’s most disadvantaged populations. - Today, JUMO operates across numerous African markets including Tanzania, Ghana, Zambia, Kenya, Uganda, and most recently in Pakistan, with plans to expand further across the sub-continent. - Since its launch in 2014, more than 15 million people have saved or borrowed on the JUMO platform, with over $1.6 billion in funds disbursed to customers. Nearly 70% of JUMO’s customers are micro and small business owners. JUMO targets the unbanked population across several emerging and developing markets. A variety of JUMO’s partnerships with leading banks and mobile network operators creates a marketplace where consumers can access financial services and banks can access a new pool of mobile money customers (Vostok Emerging Finance Ltd 2020) <https://sciwheel.com/work/citation?ids=10955874&pre=&suf=&sa=0>. Given the regulatory environment in Africa, it could be suggested that from New York, Goldman Sachs and Ripple’s organizational HR management structures once again aim to profit from some of the most vulnerable of the human population. Earth_ID: Because Owning Your Identity is a Human Right The modus operandi of JUMO’s business is a type of malicious bank software designed to encrypt or otherwise block access to valuable data (e.g. Digital Identity) until the victim agrees to provide a specified payment. The population of the African continent is approximately 1.2 billion people. Imagine a whole continent of people with no proof of identity and therefore no chance of having access to financial services, economic opportunities, or formal employment. These are basic services that are taken for granted and sadly are all too often denied to so many in our world today. Many countries in Africa lack the necessary means to establish and maintain basic systems of identity management, such as the registration of births, especially for the rural poor and underprivileged (Plumer et al. 2020) <https://sciwheel.com/work/citation?ids=10956171&pre=&suf=&sa=0>. Earth_ID has plans to pilot the launch of it’s decentralized digital identity platform in collaboration with University of Nicosia’s (UNIC) very own African Partner, UNICAF. UNICAF has a physical presence on eleven campuses throughout Sub-Saharan Africa. We welcome the students and staff of UNICAF to be Earth_ID’s very first adopters, community leaders and validators in trust to our decentralized identity solution. Goldman Sachs from New York is a lead investor in UNICAF (Chege 2018) <https://sciwheel.com/work/citation?ids=10958197&pre=&suf=&sa=0>. According to the United Nations Digital Solutions Centre, the creation of a unique personal United Nations ID (Earth_ID) using blockchain technology, which is portable across organizations (Dumitriu 2020) <https://sciwheel.com/work/citation?ids=10956154&pre=&suf=&sa=0>. - The proposal foresees that every United Nations organization could become a trusted authority writing information onto the blockchain. The organizations could run their own nodes separately, while the system will ensure scalability and interoperability. - The Inspector recommends that the executive heads of the United Nations organizations support the creation of a United Nations digital ID. This will have multiple long term positive consequences in terms of saving time and resources, facilitating staff mobility in allowing certification and recognition of their knowledge and skills, reducing bureaucracy, and enhancing system-wide coherence. The descriptive definition of regulatory arbitrage suggests that New York banks’ organizational HR management, with direction from the Executive Suite, seeks to saturate lending to markets with more minorities and worse socioeconomic conditions (Buchak et al. 2017) <https://sciwheel.com/work/citation?ids=10956108&pre=&suf=&sa=0>. CryptoBank Environmental Analysis How can xNY.io innovate from underdogs to elite high performers, becoming the best in the world? xNY.io - CryptoBank wants to create the best World Crypto Bank known to humanity, and we plan to do that expeditiously in 40+ countries and fiat currencies. xNY.io has a problem: We are displeased with Ripple powering customers like MoneyGram, Santander Bank and the other 300+ banking customers. Our frustrations hinge on Ripple seeming to be propping up the same bad banks that more or less rival Bitcoin's entire mission (Larson 2020b) <https://sciwheel.com/work/citation?ids=10959063&pre=&suf=&sa=0>. Furthermore, instead of putting the MoneyGram and other bad traditional banks out of business, Ripple is looking to profit off of cross-border payment startups similar to our best World Crypto Bank (Ripple 2013b) <https://sciwheel.com/work/citation?ids=10959314&pre=&suf=&sa=0>. Market segmentation determines groups of customers with common needs and wants. All over the world, young people strive to make money. Those who are at the beginning of the life road plan to grow financially. The high-interest rate of xNY.io deposit accounts will help customers make desirable choices for healthy and prosperous financial futures. Moreover, geographically, xNY.io has a keen focus to improve banking in developing countries on the African continent to help deprived people obtain the rights of digital identity and interdependent modern bank accounts with innovative products and services. - Digital asset trading platforms like NEXO.io in Europe powered by Fireblocks in New York hop from more regulated jurisdictions to less regulated or unregulated countries, leading to so-called regulatory arbitrage or currency speculation (Pettinger 2019) <https://sciwheel.com/work/citation?ids=10960704&pre=&suf=&sa=0>. - NY-DFS and FDIC regulators have more trouble detecting and blocking illicit digital asset flows as virtual currency transactions are diverted away from compliant regulated Fireblocks in New York to unregulated trading gateway venues and peer-to-peer protocols that are directly against NY-DFS’ BitLicense mandate (FTI Consulting 2021) <https://sciwheel.com/work/citation?ids=10960677&pre=&suf=&sa=0>. The chain of financial service providers includes several intermediaries, each drawing their own commission against the services provided. These operating principles date several years back, and it is difficult to make a paradigm shift from this existing operational hierarchy. This constraint is being utilized by middlemen and the established market players. Financial conglomerates use their supremacy, as well, to make sure their operations continue unchallenged. The industry generally fails to serve a sizable part of the community and this gap can only be bridged by new players. However, the strong market hold of the established players makes it seemingly difficult for innovators to contribute. The NEXO.io Conundrum Our role model for creating the best World Crypto Bank is NEXO.io. While Ripple's business of leveraging digital currency and blockchain technology is disheartening, the great success of NEXO's crypto bank and card is impressive. Case in point, NEXO's token and overall business solution is a better example (Trenchev 2018) <https://sciwheel.com/work/citation?ids=10959329&pre=&suf=&sa=0>. NEXO is a great example for our best World Crypto Bank' but is funded by Goldman Sachs (Roony 2018) <https://sciwheel.com/work/citation?ids=10959512&pre=&suf=&sa=0>, Which could be argued to be worse than Ripple. Goldman's blockage of crypto/blockchain development in the United States (U.S. Congress 2002) <https://sciwheel.com/work/citation?ids=10952375&pre=&suf=&sa=0> and Digital Identity in Africa (Plumer et al. 2020) <https://sciwheel.com/work/citation?ids=10956171&pre=&suf=&sa=0> cannot be overlooked. While Ripple is supporting the bad behavior of MoneyGram and other traditional banks with cards, NEXO is just the best bad version of Ripple funded by Sachs. Both are probably gaming the digital currency market and global blockchain innovation, and possibly humanity as a whole. Obviously, NEXO could get into trouble for operating an unregulated bank fast (Jennings 2018) <https://sciwheel.com/work/citation?ids=10959529&pre=&suf=&sa=0>: 1. Moreover, NEXO is, at various levels, illegal in the United States where the federal government regulates most banks (NEXO 2019 <https://sciwheel.com/work/citation?ids=10959498&pre=&suf=&sa=0>). For example, in New York, some of the NEXO token benefits are forbidden by NY-DFS (Sokolowski 2021) <https://sciwheel.com/work/citation?ids=10959577&pre=&suf=&sa=0> . 2. Nexo doesn't have a Bitlicense, but they still operate in New York (u/zylstrar 2019) <https://sciwheel.com/work/citation?ids=10959567&pre=&suf=&sa=0>. New York State Attorney General Letitia James has made it clear that virtual currency firms must abide by the BItLicense or risk being shut down (Sharma 2021) <https://sciwheel.com/work/citation?ids=10959571&pre=&suf=&sa=0>. 3. Additionally, United States authorities could force NEXO to offer Federal Deposit Insurance Corporation (FDIC) insurance on its accounts (Buchak et al. 2017) <https://sciwheel.com/work/citation?ids=10956108&pre=&suf=&sa=0> . It could be argued that Ripple (xRP) and NEXO.io (NEXO) built entire global operations as direct/indirect BitLicensees with intent to profit from various cross-border computer crimes such as market manipulation while being partially funded and/or directed out of New York (U.S. Congress 2002) <https://sciwheel.com/work/citation?ids=10952375&pre=&suf=&sa=0>. However, NEXO operates like a bank. To explain, clients put cryptocurrency in a wallet, borrow against it and receive funds through the NEXO wallet. NEXO claims it can tap some huge markets that include crypto investors, crypto miners, and hedge funds. Hence, NEXO looks like an investment bank. Tellingly, NEXO looks a great deal like Goldman Sachs’ Marcus platform. For example, both NEXO and Marcus offer loans and savings accounts. The Fireblocks Conundrum A few blocks south of Times Square in New York City, Fireblocks (Google Maps 2021) <https://sciwheel.com/work/citation?ids=10959908&pre=&suf=&sa=0> powers the global operations of NEXO.io headquartered in Europe. The CEO of Fireblocks has discussed his firm's $135 million investment led by BNY Mellon and others: “‘While we have no plans to become a bank, we believe our infrastructure will lend itself perfectly to power an entirely new era of financial services,’ Shaulov added. ‘Developing products to bridge digital and traditional assets is foundational to the future of custody.’ Roman Regelman, BNY Mellon’s asset servicing CEO and digital head said, ‘Following significant due diligence and market research, we recognize Fireblocks as a market leader in providing secure technology to support digital asset services’” (Shome 2021) <https://sciwheel.com/work/citation?ids=10959918&pre=&suf=&sa=0>. - As previously noted, New York, Europe and Africa are connected by a freeway of cross-border arbitrage frameworks. Due to easily exploitable laws in developing countries, some BitLicensees’ daily operations straddle New York, Europe and Africa to evade detection and prosecution from law enforcement (Larsen 2016) <https://sciwheel.com/work/citation?ids=10953308&pre=&suf=&sa=0>. - The Financial Action Task Force (FATF) identifies the “Travel Rule,” also known as “Regulatory Arbitrage,” as a stand-out concern that is perhaps the most glaring example of the lack of global harmonization of policies designed to combat illicit financial flows in the crypto markets. Fireblocks in New York powering the European based NEXO.io’s Global CryptoBank (Metodiev 2020) <https://sciwheel.com/work/citation?ids=10961027&pre=&suf=&sa=0> operations at worst fueled a black-market financial system and at best purposely and deliberately existed outside of the NY-DFS BitLicense and bank industry regulations (Cyber Digital Task Force 2020) <https://sciwheel.com/work/citation?ids=10960464&pre=&suf=&sa=0>. Fred Ehrsam, co-founder and managing partner at Paradigm (Ehrsam 2021) <https://sciwheel.com/work/citation?ids=10959925&pre=&suf=&sa=0>, is a lead investor in Fireblocks where he also serves as a board member. Previously, Ehrsam co-founded Coinbase, the largest cryptocurrency company in the US, and held the role of president from 2012 to 2017. Ehrsam purchased his first Bitcoin in 2011 and has been an angel investor in some of the space’s most formative companies. Prior to Coinbase, Ehrsam was a foreign exchange trader at Goldman Sachs in New York. Ehrsam holds a B.S. in Computer Science and Economics with honors and departmental distinction from Duke University (Fireblocks 2020) <https://sciwheel.com/work/citation?ids=10959593&pre=&suf=&sa=0>. Computer Software and the Blockchain Platform International Business Machines Corporation (IBM) is one of the world’s largest computer firms and is headquartered in New York (Wikipedia. 2021) <https://sciwheel.com/work/citation?ids=10959864&pre=&suf=&sa=0>. IBM distinguishes the blockchain platform technology as computer software (International Business Machines Corporation (IBM) 2021) <https://sciwheel.com/work/citation?ids=10959869&pre=&suf=&sa=0>. Given IBM’s modus operandi, it could be concluded that the Bitcoin blockchain is also computer software. Yet, New York banks can use those same innovations for their own illegitimate ends, imposing great costs on the public. Today, few technologies are more potentially transformative and disruptive—and more potentially susceptible to abuse—than virtual currency (Cyber Digital Task Force 2020) <https://sciwheel.com/work/citation?ids=10960464&pre=&suf=&sa=0>. Virtual currency fraud is a serious problem for such a developed country as the United States, whose bank regulators have drawn attention to the increase of these crimes. Having discovered that an unregulated virtual currency sphere (such as in Africa, or other developing markets) is very popular among virtual currency fraudsters (Prior 2020) <https://sciwheel.com/work/citation?ids=10959948&pre=&suf=&sa=0>, the SEC has alluded that this kind of regulatory arbitrage fraud was concerning (U.S. Securities and Exchange Commission (SEC) n.d.) <https://sciwheel.com/work/citation?ids=10959942&pre=&suf=&sa=0>. - An uncoordinated regulation can potentially have a stifling effect by way of creating inconsistent regulatory requirements on top of increased compliance costs to the industry. Virtual Currency: Computer Software Protocols and Processes The Internal Revenue Service (IRS) classifies virtual currency such as Bitcoin as a computer software code. For example, Bitcoins counted at 21 million corresponds to a specific number of mining rewards that can be given, and this is all written into a code (Yamalis 2018) <https://sciwheel.com/work/citation?ids=10960440&pre=&suf=&sa=0>. 1. xNY.io’s key definition of virtual currency computer crimes is a consistent message across markets. These crimes are relatively new, having been in existence for only as long as Bitcoin has, which explains how unprepared society, and the world in general, is towards combating these crimes (Larson 2021a) <https://sciwheel.com/work/citation?ids=10948534&pre=&suf=&sa=0> . 2. Technological innovation and human flourishing are complementary concepts, but the former does not guarantee the latter. Good public policy along with ethical CEOs and CFOs at New York banks operating international HR management organizations pioneer innovation of such policy (Eltringham 2015) <https://sciwheel.com/work/citation?ids=10951979&pre=&suf=&sa=0>. 3. Marketplace manipulation and virtual currency regulatory arbitrage undoubtedly stifles innovation and human flourishing. The absence of protection under the law can endanger progress across both dimensions. It takes careful consideration, and a deep and ongoing immersion in the facts, to understand when and how law should intervene (FTI Consulting 2021) <https://sciwheel.com/work/citation?ids=10960677&pre=&suf=&sa=0>. Even in societies where transformative scientific and technological advancements are achievable, ethical and moral CEOs and CFOs play a critical mediating role. In the wrong hands, or without appropriate safeguards and oversight, these advancements can facilitate great human suffering. Keeping all this in mind with a positive/optimistic attitude, a series of smart and calculated leveraged buyouts can innovate beyond New York banks’ cross-border computer crime(s) such as (Prior 2020) <https://sciwheel.com/work/citation?ids=10959948&pre=&suf=&sa=0>: 1. Conspiracy to Commit Fraud and Related Activity in Connection with Computers 2. Conspiracy to Commit Wire Fraud 3. Intentional Damage to a Protected Computer 4. Transmitting a Demand in Relation to Damaging a Protected Computer The U.S. government could appropriately assert jurisdiction over such offenses anywhere in the world, consistent with due process, under the principle of protective jurisdiction. That principle holds that, “[F]or non-citizens acting entirely abroad, a jurisdictional nexus exists when the aim of that activity is to cause harm inside the United States or to U.S. citizens or interests” (Cyber Digital Task Force 2020) <https://sciwheel.com/work/citation?ids=10960464&pre=&suf=&sa=0>. Bank.org: Revolutionary Approaches to Agile Innovation A prerequisite to protecting our future customers' lifelong returns and Bank.org’s profits calls for Bank.org’s engagement of agile innovation in manufacturing new and revolutionary approaches to international banking from our New York headquarters. The key aim of the Bank.org endeavor, and our primary goal, is to attain the legitimate financial inclusion and economic prosperity of all people, including the excluded, under-privileged and under-served. Bank.org is taking advantage of the New York banking industry at a crossroads. On the one hand, digital banking services are rising to the forefront and drawing increasing interest from customers. On the other, brick-and-mortar banking remains an important way to connect with customers on a local and personal level. Bank.org intends to be a true borderless enterprise serving customers in over 200 jurisdictions and 40+ fiat and virtual currencies. 1. Bank.org has the luxury of an opportunity to be fresh, clean and pure in comparison to many of our legacy “multiple felon” bank peers directing global operations out of New York. 2. Citibank has become the latest bank to be sued by a British currency investment firm over allegations that its traders manipulated foreign exchange markets for profit. Furthermore, expanding litigation accuses the company of trade front-running. 3. Bank.org’s scope as an international bank engages xNY.io to lead our virtual currency innovation practice. xNY.io is a pioneering instrument to elegantly complement Bank.org’s international bank operations. The best bank in the world has energy to pioneer relentless HR innovation with passion to create those means, build those processes and those systems that will facilitate inclusive solutions to those problems which rob so many of a chance to realize their goals and achieve their full potential. Bank.org’s barriers to global market penetration include government(s) that sponsor our peers who historically do not factor in the social benefits of bank competition or of effective natural monopoly regulation of global New York firms like Goldman Sachs. That is, regulators may grant licenses to firms that are operating at a high level as state firms and so appear valuable to private markets. This experience is supported by Bank.org’s analysis and vision of the best performing global online institutions (versus money center banks), which shows the principle in practice. Conclusion 2021 in New York now brings us to cooperation versus competition and rationality versus altruism. As with many situations in real-life, the games are often not zero-sum, but by cooperative efforts all players can be better off (Larson 2021b) <https://sciwheel.com/work/citation?ids=10959166&pre=&suf=&sa=0>. In 1973, John Maynard Smith presented an idea explaining game theory and how alpha culture exists in societies. Maynard’s hypothesis asked you to imagine a world with doves and hawks. If there would be only hawks, their fights would be devastating to their population. If there would be only doves, they would be susceptible to any intruders, therefore such a population would also not be stable. But the right combination of hawks and doves would be evolutionarily stable (Smith & Corbin 1973) <https://sciwheel.com/work/citation?ids=10959298&pre=&suf=&sa=0>. - We witness again and again that US American enterprises (aka New York Banks), in particular, are being built by one or two supposedly shiny figures (CEO or CFO) who have questable ethics and morals. - The qualitative effect on organizational HR Management is an Executive Suite that assembles subpar teammates around him or her. - The firms focus on the growing experience and network of that single person and are closely associated with the individual’s character. Business relationships are being entered and trust being built with that individual rather than the firm as an institution. Startup companies like xNY.io and Bank.org that dare to explore more novel approaches and non-hierarchical structures, though, show successes, as do larger organizations formalizing and adopting respective strategies. However, within the New York banking community with its various regulators, there appears to be a window of opportunity for smart innovation. Anecdotal observations yet again identify the root cause in the vast multidisciplinary nature of the domain, and in the all-so-technical backgrounds of its protagonists where Executive Suites and organizational HR managers cling to their old habits while placing less importance on innovation and executing modern organizational insights bank wide. Behavioral and organizational research impressively underline a very simple “game,” in which the conditions for survival (be nice, be provocable, promote mutual interest) seem to be the essence of ethics and morality. While this does not yet amount to a science of ethics or morality, the game theory approach has clarified the conditions required for the evolution and persistence of cooperation, and shows how Darwinian natural selection can lead to complex behavior, including notions of morality, fairness, and justice, beyond alpha culture. In the 1980s, Professor of Political Science Robert Axelrod ran a tournament inviting strategies from collaborators all over the world. Axelrod found that the winning strategy that performed the best overall (not in every game, but on average), was “Tit-for-Tat,” also called look-back strategy or reciprocal altruism. It worked simply by starting the first iteration with cooperation, then looking back at the opponent’s last move and copying it in the next iteration (Axelrod 1980) <https://sciwheel.com/work/citation?ids=10959358&pre=&suf=&sa=0>. In summary, the best strategies were found to have these surprising properties: 1. Be nice – don‘t be the first to defect. 2. Be provocable – return actions, both in retaliation and forgiveness. 3. Don‘t envy – don‘t focus on beating the opponent, but on maximizing your own score. 4. Don‘t be tricky – anytime you try to exploit the opponent, you will provoke revenge. Bank.org is happy to make ethically sound risks to aggressively protect our future customers' returns and our firm’s bottom line. The assumption our competitors have is that historically New York banks’ CEOs and CFOs do not engage the strategic roadmaps offered by a new aggressive market entrant such as the xNY.io and Bank.org. Bibliography <https://sciwheel.com/work/bibliography> Al-Naji, N., Chen, J. & Diao, L., 2018. Basis: A Price-Stable Cryptocurrency with an Algorithmic Central Bank. Basis.io, 0.99.7. Available at: http://www.basis.io/basis_whitepaper_en.pdf [Accessed April 24, 2021]. <https://sciwheel.com/work/bibliography/10951869> Association for Computing Machinery, 2020. On the Feasibility of Automating Stock Market Manipulation. ACSAC ’20: Annual Computer Security Applications Conference, p.962. Available at: https://dl.acm.org/doi/10.1145/3427228.3427241 [Accessed April 20, 2021]. <https://sciwheel.com/work/bibliography/10937107> Axelrod, R., 1980. Axelrod’s Tournament . Stanford.edu. Available at: https://cs.stanford.edu/people/eroberts/courses/soco/projects/1998-99/game-… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959358> Bagchi, A., 2020. Participants in IRS-Targeted Land Deals Sue Alleged Promoters. BloombergTax.com. Available at: https://news.bloombergtax.com/daily-tax-report/participants-in-irs-targeted… [Accessed April 24, 2021]. <https://sciwheel.com/work/bibliography/10948490> Bloomberg, 2021. Compliance Professional Services, Bloomberg. Available at: https://www.bloomberg.com/professional/expertise/compliance/ [Accessed April 22, 2021]. <https://sciwheel.com/work/bibliography/10935129> Bourne, J., Blockchain Awards & The Blocks, 2018. Biggest Contributor to the Rise of Blockchain in 2018. Blockchain-Expo.com. Available at: https://www.blockchain-expo.com/2018/07/awards/the-blocks-blockchain-awards… [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951810> Browne, R., 2018. Ripple surges after teaming up with MoneyGram on cryptocurrency-enabled payments. CNBC.com. Available at: https://www.cnbc.com/2018/01/11/moneygram-to-test-payments-with-ripple-xrp-… [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10953324> Buchak, G. et al., 2017. Fintech, Regulatory Arbitrage, and the Rise of Shadow Banks . In Bank Research Conference . FDIC: Federal Deposit Insurance Corporation, p. 73. Available at: https://www.fdic.gov/analysis/cfr/bank-research-conference/annual-17th/pape… [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10956108> Chege, K., 2018. Goldman Sachs leads in $28 Million fundraising for UNICAF. The Exchange . Available at: https://theexchange.africa/countries/ethiopia/goldman-sachs-leads-in-28-mil… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10958197> Conway, L., 2020. Blockhcain Explained. Investopedia.com. Available at: https://www.investopedia.com/terms/b/blockchain.asp [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951897> Cordeiro, B., 2011. MoneyGram jumps on recapitalization deal with THL. Reuters.com. Available at: https://www.reuters.com/article/us-thl/moneygram-jumps-on-recapitalization-… [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10952410> Cyber Digital Task Force, 2020. Cryptocurrency Enforcment Framework 1st ed., Washington, D.C. 20530: Justice.gov. Available at: https://www.justice.gov/archives/ag/page/file/1326061/download [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10960464> De, N., 2019. Ripple Finalizes $50 Million MoneyGram Investment. Coindesk.com. Available at: https://www.coindesk.com/ripple-finalizes-50-million-moneygram-investment [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10953333> Dumitriu, P., 2020. Blockchain applications in the United Nationssystem: towards a state of readiness, Geneva: United Nations. Available at: https://digitallibrary.un.org/record/3906141?ln=en [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10956154> Ehrsam, F., 2021. Fred Ehrsam | LinkedIn. Available at: https://www.linkedin.com/in/fredehrsam/ [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959925> Eltringham, S., 2015. Prosecuting Computer Crimes. , 2. Available at: https://www.justice.gov/sites/default/files/criminal-ccips/legacy/2015/01/1… [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951979> European Commission, 2021. The 2020 Retail Payments Strategy, Available at: https://ec.europa.eu/info/law/better-regulation/have-your-say/initiatives/1… [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951557> Federal Deposit Insurance Corporation, 1989. FDIC Law, Regulations, Related Acts, Available at: https://www.fdic.gov/regulations/laws/rules/8000-1250.html [Accessed April 22, 2021]. <https://sciwheel.com/work/bibliography/10942239> Fireblocks, 2020. Fireblocks Board Members: Fred Ehrsam . Fireblocks.com. Available at: https://www.fireblocks.com/about/ [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959593> FTI Consulting, 2021. Financial Crimes Compliance for Cryptocurrency: Why Can’t We All Agree? JD Supra. Available at: https://www.jdsupra.com/legalnews/financial-crimes-compliance-for-3656865/ [Accessed April 28, 2021]. <https://sciwheel.com/work/bibliography/10960677> Google Maps, 2021. Fireblocks Software Company . www.Google.com/Maps. Available at: https://goo.gl/maps/mSEecUR6U7Co279K9 [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959908> Hammerschmidt v. United States, 1924. Hammerschmidt v. United States, 265 U.S. 182 (1924), Available at: https://supreme.justia.com/cases/federal/us/265/182/ [Accessed April 21, 2021]. <https://sciwheel.com/work/bibliography/10937278> International Business Machines Corporation (IBM), 2021. What is blockchain technology?, Armonk, New York: IBM.com. Available at: https://www.ibm.com/topics/what-is-blockchain [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10959869> Jennings, D.G., 2018. Jumping into loans with NEXO, is cryptocurrency lending profitable? Market Mad House. Available at: https://marketmadhouse.medium.com/jumping-into-loans-with-nexo-is-cryptocur… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959529> Kenton, W. & James, M., 2021. Leveraged Buyout (LBO). Investopedia.com. Available at: https://www.investopedia.com/terms/l/leveragedbuyout.asp [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951605> Larsen, C., 2016. Ripple Receives New York’s First BitLicense for an Institutional Use Case of Digital Assets. Ripple.com . Available at: https://ripple.com/insights/ripple-receives-new-yorks-first-bitlicense-inst… [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10953308> Larson, G., 2020a. An Open Letter to Bloomberg on Modern BitLicense Logic, TheCapital.io. Available at: https://thecapital.io/article/an-open-letter-to-bloomberg-on-modern-bitlice… [Accessed April 22, 2021]. <https://sciwheel.com/work/bibliography/10935777> Larson, G., 2020b. Burn (PoB) Ripple XRP Down to the Ground? MIS536-01-f1-2020. Available at: https://thecapital.io/article/burn-pob-ripple-xrp-down-to-the-ground--MPCcX… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959063> Larson, G., 2021a. COMPUTER CRIMES and the BitLicense (NY-DFS). TheCapital.io. Available at: https://thecapital.io/article/computer-crimes-and-the-bitlicense-nydfs-MUoH… [Accessed April 24, 2021]. <https://sciwheel.com/work/bibliography/10948534> Larson, G., 2021b. Game Theory & BitLicense Alpha Culture. TheCapital.io. Available at: https://thecapital.io/article/game-theory--bitlicense-alpha-culture-MQ4NV2C… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959166> Law 360, 2021. Citibank Faces New Forex Rigging Suit From Currency Trader. Law360.com. Available at: https://www.law360.com/articles/1369576/citibank-faces-new-forex-rigging-su… [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951562> Light, J., 2021. Federal Reserve’s Digital Dollar Push Worries Wall Street. Bloomberg.com. Available at: https://www.bloomberg.com/news/articles/2021-03-22/federal-reserve-s-digita… [Accessed April 24, 2021]. <https://sciwheel.com/work/bibliography/10948580> Martens, P. & Martens, R., 2020. Wall Street’s Felon Banks to Go Live with their Own Stock Exchange this Month. Wall Street on Parade . Available at: https://wallstreetonparade.com/2020/09/wall-streets-felon-banks-to-go-live-… [Accessed April 24, 2021]. <https://sciwheel.com/work/bibliography/10948539> McCullough, J., 2019. PROVIDE ETHICAL LEADERSHIP. In K. Kohut, C. Boles, & L. Z. Truong, eds. SECRETS OF ROCKSTAR CFOs . Absolutely Abby Press, p. 3. Available at: http://RockStarCFOs.com [Accessed April 22, 2021]. <https://sciwheel.com/work/bibliography/10934566> Mills, J., 2006. Then & Now: At 20, he’s traveled to 14 countries. Culdesac native says anyone can do it. Lewiston Morning Tribune . Available at: https://lmtribune.com/then-now-at-20-he-s-traveled-to-14-countries/article_… [Accessed April 24, 2021]. <https://sciwheel.com/work/bibliography/10951797> MONEYGRAM INTERNATIONAL INC, 2021. MoneyGram International, Inc. Annual Filings, Dallas, Texas: MoneyGram International, Inc. Available at: https://ir.moneygram.com/node/21606/html [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10952491> Morris, V., 2008. LA/COD/8/4. Available at: https://drive.google.com/file/d/0BweeaClFZ8c0dDNDWGFveVFTXzlOTjhXY2tKS2FZN2… [Accessed April 23, 2021]. <https://sciwheel.com/work/bibliography/10942187> N.Y. Executive Law, 2019. Human Rights Law, Available at: https://dhr.ny.gov/sites/default/files/doc/HRL.pdf [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10952341> Nakamoto, S., 2008. Bitcoin: A Peer-to-Peer Electronic Cash System. Available at: https://bitcoin.org/bitcoin.pdf [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951932> NEXO, 2019. What Does Nexo Being Licensed and Regulated Mean? NEXO.io. Available at: https://nexo.io/institution-license [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959498> NY-DFS, 2019. Guidance Regarding Adoption or Listing of Virtual Currencies, Available at: https://www.dfs.ny.gov/apps_and_licensing/virtual_currency_businesses/gn/ad… [Accessed April 22, 2021]. <https://sciwheel.com/work/bibliography/10936021> NY-DFS, 2020. Request for Comments on a Proposed Framework for a Conditional BitLicense. New York State Department of Financial Services . Available at: https://www.dfs.ny.gov/apps_and_licensing/virtual_currency_businesses/gn/re… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959349> NY-DFS, 2008. Shelf Charter , Available at: https://www.dfs.ny.gov/apps_and_licensing/banks_and_trusts/shelf_charter [Accessed April 22, 2021]. <https://sciwheel.com/work/bibliography/10935584> Pettinger, T., 2019. Currency Speculation and Exchange Rate. EconomicsHelp.org. Available at: https://www.economicshelp.org/blog/785/economics/currency-speculation-and-e… [Accessed April 28, 2021]. <https://sciwheel.com/work/bibliography/10960704> Plumer, S. et al., 2020. Earth_ID: Decentralized Idenity and Dignity , Nicosia, Cyprus: University of Nicosia. Available at: https://drive.google.com/file/d/1m7_GLK32LJmox0JCfVeYd9YC04dJgHPd/view?usp=… [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10956171> Poster, A., 2019. Crypto Assets Regulatory Arbitrage - A Clear and Present Danger. Forbes.com. Available at: https://www.forbes.com/sites/amyposter/2019/12/09/crypto-assets-regulatory-… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959604> Prior, J., 2020. JPMorgan Chase warns of upcoming fine over internal controls. American Banker . Available at: https://www.americanbanker.com/news/jpmorgan-chase-warns-of-upcoming-fine-o… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959948> Ripple, 2020. Faster Payments Into Nigeria, San Francisco, CA: Ripple.com. Available at: https://ripple.com/wp-content/uploads/2020/06/RippleNet-Quick-Guide-Overvie… [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10959408> Ripple, 2013a. Real-Time Cross BorderPayments for Banks, Ripple.com. Available at: https://ripple.com/use-cases/banks/ [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951672> Ripple, 2013b. RippleNet: On-Demand Liquidity (ODL) , San Francisco, CA: Ripple.com. Available at: https://ripple.com/ripplenet/on-demand-liquidity# [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959314> Roony, K., 2018. Goldman Sachs-backed start-up Circle introducing a crypto version of the US dollar. CNBC.com. Available at: https://www.cnbc.com/2018/05/15/goldman-sachs-backed-start-up-circle-introd… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959512> Schilling, M., 2019. ISE EBook for Strategic Management of Technological Innovation ProQuest Ebook Central., New York, New York: McGraw-Hill US Higher Ed ISE. <https://sciwheel.com/work/bibliography/10951587> Sharma, S., 2021. “Play by the Rules Or We will Shut You down”- New York Attorney General Warns Crypto Industry. CoinGape.cm . Available at: https://coingape.com/play-by-the-rules-or-we-will-shut-you-down-new-york-st… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959571> Shome, A., 2021. Fireblocks Scores $133 Million from BNY Mellon and Others. FinanceMagnates.com/. Available at: https://www.financemagnates.com/cryptocurrency/news/fireblocks-scores-133-m… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959918> Smith, J.M. & Corbin, A., 1973. John Maynard Smith: The Evolutionary Stable Strategy. PBS.org - Evolution Library. Available at: https://www.pbs.org/wgbh/evolution/library/06/2/l_062_03.html [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10959298> Sokolowski, S., 2021. Earning Interest on Cryptocurrencies. Prohashing.com. Available at: https://prohashing.com/guides/earning-interest-on-cryptocurrencies [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959577> Tarver, E. & James, M., 2021. Horizontal vs. Vertical Integration: What’s the Difference? Investopedia.com. Available at: https://www.investopedia.com/ask/answers/051315/what-difference-between-hor… [Accessed April 24, 2021]. <https://sciwheel.com/work/bibliography/10951616> Tierney, S., 2019. MoneyGram Money Transfer Review. NerdWallet.com. Available at: https://www.nerdwallet.com/article/banking/moneygram-review [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10953437> Torpey, K., 2018. Founding PayPal CEO Bill Harris Says Bitcoin Is A Scam, Here’s Why He’s Wrong. Forbes.com. Available at: https://www.forbes.com/sites/ktorpey/2018/04/24/founding-paypal-ceo-bill-ha… [Accessed April 25, 2021]. <https://sciwheel.com/work/bibliography/10951846> Trenchev, A., 2018. NEXO Token Utilities, London, United Kingdom: NEXO.io. Available at: https://nexo.io/token [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959329> U.S. Congress, 2002. Fraud and related activity in connection with computer, Available at: https://uscode.house.gov/view.xhtml?req=(title:18%20section:1030%20edition:… [Accessed April 24, 2021]. <https://sciwheel.com/work/bibliography/10952375> U.S. Securities and Exchange Commission (SEC), Ponzi schemes Using virtual Currencies , SEC.gov. Available at: https://www.sec.gov/files/ia_virtualcurrencies.pdf [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10959942> u/zylstrar, 2019. Can someone share Nexo’s financial licenses? Reddit.com. Available at: https://www.reddit.com/r/Nexo/comments/eduft4/can_someone_share_nexos_finan… [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959567> United Nations, 1948. Universal Declaration of Human Rights (UDHR), Available at: https://www.un.org/en/about-us/universal-declaration-of-human-rights [Accessed April 20, 2021]. <https://sciwheel.com/work/bibliography/10936242> Vostok Emerging Finance Ltd, 2020. YEAR-END REPORT 2019, Sweden: Vostok Emerging Finance. Available at: https://ml-eu.globenewswire.com/Resource/Download/3dd0f660-8cd7-4964-83d6-e… [Accessed April 26, 2021]. <https://sciwheel.com/work/bibliography/10955874> Wikipedia., 2021. IBM. Wikipedia.com. Available at: https://en.wikipedia.org/wiki/IBM [Accessed April 27, 2021]. <https://sciwheel.com/work/bibliography/10959864> Wikipedia, 2021a. International Court of Justice. Wikipedia.org. Available at: https://en.wikipedia.org/wiki/International_Court_of_Justice [Accessed April 22, 2021]. <https://sciwheel.com/work/bibliography/10942253> Wikipedia, 2021b. International Criminal Court. Wikipedia.org. Available at: https://en.wikipedia.org/wiki/International_Criminal_Court [Accessed April 21, 2021]. <https://sciwheel.com/work/bibliography/10942250> Wray, C., 2020. FBI Strategy Addresses Evolving Cyber Threat. Federal Bureau of Investigation. Available at: https://www.fbi.gov/news/stories/wray-announces-fbi-cyber-strategy-at-cisa-… [Accessed April 19, 2021]. <https://sciwheel.com/work/bibliography/10936531> xNY.io | Bank.org, CryptoBank. CryptoBank. Available at: https://xny.io/crypto [Accessed April 21, 2021]. <https://sciwheel.com/work/bibliography/10934818> Yamalis, P., 2018. Understanding the Basics of Virtual Currency. IRS Web Conference . Available at: https://www.irsvideos.gov/Webinars/UnderstandingBasicsVirtualCurrency [Accessed April 28, 2018]. <https://sciwheel.com/work/bibliography/10960440>

1 1

Re: Bank.org | SHELF CHARTER (Notice of Intent)
by Gunnar Larson 17 Oct '22

17 Oct '22

Dear Madam Superintendent: xNY.io - Bank.org, PBC sends you Ms. Lacewell intent of our global enterprise. We would like to earn a call with your office for a meet and greet. When would be a good time for you? Sending you the very best. Thank you, Gunnar Larson -- *Gunnar Larson * *xNY.io <http://www.xny.io/> - Bank.org <http://bank.org/>, PBC* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 On Sat, Mar 13, 2021, 2:32 PM Gunnar Larson <g(a)xny.io> wrote: > Honorable Madam Superintendent: > > Bank.org submits notice of intent to begin preliminary conversations with > your office to earn your Shelf Charter designation approval. > > - Please notice the attached correspondence made to your attention. > Additionally, the memo can be reviewed here: > https://docs.google.com/document/d/1d1WU0ScurhEXwNm1YY-e2bPS6CDZK6nJt-ue0PX… > > We will contact Ms. Seema Shah's office on Monday 15 March with hopes of > scheduling Bank.org's first series of discussions on the > Superintendent's Shelf Charter consideration. > > With great appreciation, > > Gunnar Larson > -- > *Gunnar Larson - xNY.io <http://www.xNY.io> | Bank.org <http://Bank.org>* > MSc > <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> > - Digital Currency > MBA > <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> > - Entrepreneurship and Innovation (ip) > > G(a)xNY.io > +1-646-454-9107 > New York, New York 10001 >

1 3

[ot][spam][personal] notes/spam/memorization: append-only random writes
by Undiscussed Groomed for Male Slavery, One Victim of Many 15 Oct '22

15 Oct '22

forwarded to help me find it Forwarded Conversation Subject: [ot][spam][personal] notes/spam/memorization: append-only random writes ------------------------ From: <cypherpunks-owner(a)lists.cpunks.org> Date: Mon, Aug 22, 2022 at 1:52 PM To: <gmkarl(a)gmail.com> Only subscribers may post to this list. Visit https://lists.cpunks.org for subscription information. ---------- Forwarded message ---------- From: "Undiscussed Groomed for Male Slavery, One Victim of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Mon, 22 Aug 2022 13:51:48 -0400 Subject: [ot][spam][personal] notes/spam/memorization: append-only random writes With the append-only random writes, a basic concept is data representation of index nodes, and how this differs from data representation of data. It makes sense to me to implement them as objects, although I haven't learned design since OOP in the 90s, technically: it wasn't really different from modules in C, just used cleaner syntax. So maybe my knowledge is relevent. So, an object for data, and an object for indices (inner nodes), or whatnot. A core function is taking slices of inner nodes, and then recalculating their leaves and lengths and integrating them into a balancing strategy. So, the reason to make an object for indices, is to facilitate taking their slices and acquiring their new leaf count. A balancing strategy will want to know their depth and their leaf count. - taking slices of inner nodes (index objects), and getting the leaf count and height of these slices - index objects then reference such slices alongside data nodes, in a tree not too complex. The tree is the index class ... almost . The big challenge for me is bringing the parts together. Making them simple and clear seems helpful. - Taking slices of a tree, and calculating the leafcount and height of the slices. ---------- From: <cypherpunks-owner(a)lists.cpunks.org> Date: Mon, Aug 22, 2022 at 1:56 PM To: <gmkarl(a)gmail.com> Only subscribers may post to this list. Visit https://lists.cpunks.org for subscription information. ---------- Forwarded message ---------- From: "Undiscussed Groomed for Male Slavery, One Victim of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Mon, 22 Aug 2022 13:56:30 -0400 Subject: Re: [ot][spam][personal] notes/spam/memorization: append-only random writes Taking slices of an index tree (i.e. index node) can seem confusing. The quick 'flat_tree' code I wrote for my semi-successful 'log' project doesn't retain copies of old trees after they are published. It stores just one tree, containing references to old copies of itself. For interconnecting disparate data, it seems it would make sense to let the system introspect into the tree, and look at it. This could mean providing for retaining the old copies, or it could mean accessing the network. [some confusion around the data already being available, unsure of these .... in the general case it would not be ...] So, the nodes might have some abstract way of taking the slices. A quick implementation would not calculate or optimize anything, just summing the leaves of the children that overlap the slice. ---------- From: <cypherpunks-owner(a)lists.cpunks.org> Date: Mon, Aug 22, 2022 at 1:58 PM To: <gmkarl(a)gmail.com> Only subscribers may post to this list. Visit https://lists.cpunks.org for subscription information. ---------- Forwarded message ---------- From: "Undiscussed Groomed for Male Slavery, One Victim of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Mon, 22 Aug 2022 13:58:13 -0400 Subject: Re: [ot][spam][personal] notes/spam/memorization: append-only random writes An index node class could then have an abstract/overrideable function for taking a slice. A default implementation could naively simply sum the properties of the intersecting children. Alongside that, we have a data/leaf node representation. And an index node class, with an abstract method/member function for taking a slice.

1 1