May 2023 - cypherpunks - lists.cpunks.org

Cryptocurrency: Action - Coinbase Launches Massive User-Driven Political Campaign - Crypto435
by grarpamp 11 Oct '23

11 Oct '23

When politicians fail to respect crypto freedom, it falls upon the free peoples of the world to ensure it... https://coinbase.com/ https://twitter.com/coinbase/status/1630592674020335617 https://actnow.io/z31xN5P https://cryptoslate.com/crypto-slate-wrapped-daily-coinbase-launches-crypto… https://azcoinnews.com/coinbase-launches-crypto435-initiative-to-promote-cr… https://cryptopotato.com/coinbase-launches-nationwide-pro-crypto-policy-cam… " @coinbase: #Crypto435 1/ It’s time to advance pro-crypto policy in all 435 Congressional Districts across the U.S. Introducing #Crypto435, our campaign to grow the crypto advocacy community and share tools and resources to make your voice heard. Become an advocate today 👇 2/ If you believe in crypto and the potential of web3, now is the time to make your voice heard with legislators and regulators. 3/ The crypto community has reached an important moment. Decisions being made by legislators and regulators in DC and around the country will impact the future of how we can build, buy, sell, and use crypto. 4/ We need thoughtful policymaking and smart regulation so that we can continue to advance crypto and web3, and make progress on our mission to increase economic freedom. 5/ Coinbase will empower the #Crypto435 community with information about how to contact specific politicians in their local districts, what those politician's records on crypto are, tips for making your voices heard in D.C., and more. 6/ So if you love crypto and want to see all that it can achieve, join us to shape the policies and regulations that will impact crypto and web3 for years to come: actnow.io/z31xN5P Take Action: Learn how your voice can impact pro-crypto policy Thanks for being a crypto advocate! " The company has announced Crypto435 – a grassroots initiative to expand pro-crypto advocacy to citizens across all 435 Congressional Districts. The exchange claims that Crypto435 will “influence laws and policies,” and also “educate everyday Americans about the power of crypto." Coinbase will empower the #Crypto435 community with information about how to contact specific politicians in their local districts, what those politician's records on crypto are, tips for making your voices heard in D.C., and more. Coinbase has launched Crypto435, a grassroots initiative to expand pro-crypto advocacy to citizens across all 435 Congressional Districts in the US. The cryptocurrency exchange will provide tips related to local politicians and the crypto landscape, including contact information, their records on crypto policy, and how best to make sure those with a voice can be heard. Coinbase, one of the largest cryptocurrency exchanges in the United States, has launched a nationwide pro-crypto policy campaign. The initiative aims to encourage US lawmakers to embrace cryptocurrencies and promote their adoption across the country. The campaign, which involves a series of digital and social media ads, highlights the benefits of cryptocurrencies and urges lawmakers to adopt policies that support innovation in the industry. The move comes at a time when the regulatory environment for cryptocurrencies in the US is becoming increasingly uncertain, with several states proposing strict regulations that could impact the industry's growth “If you love crypto and believe in the potential of web3, it’s more important than ever to advocate for pro-crypto policy in the U.S. Policymakers in Washington DC and state capitals across the US are making decisions about the future of crypto. Their choices will determine how, when, and where YOU can build, buy, sell, and use crypto. We need to make sure they get it right, and that means making your voice heard. We’re excited to introduce Crypto435, a grassroots campaign to advocate for pro-crypto policy. Now is the time to change hearts and minds in all 435 Congressional Districts across the U.S. Now you can sign up to receive important updates and calls to action about crypto policy. Here’s Why Crypto Advocacy Matters Crypto435 will influence laws and policies Crypto435 will bring the crypto community together and there is strength in numbers Crypto435 will promote innovation and protect jobs Crypto435 will educate everyday Americans about the power of crypto Thank you for signing up to be a crypto advocate! By entering your contact information we will continue to provide you with educational resources and the updates you need to help shape pro-crypto policy.”

2 4

Censorship: Twitter Takeover Totally Panics Political Regime of LeftLibDemSocMediaTechPol
by grarpamp 21 Sep '23

21 Sep '23

“They would rather self-immolate than give up their censorship programs. This shows you how deeply committed they are to Orwellian control of the narratives and global discourse. Scary,” "Want to see the whole world lose their shit? Get Peter Thiel to partner with Elon and raise the bid for Twitter" The corrupt US Left is in total freakout mode, and they don't have enough to fend off those intent on finally cancelling their fraud, lol. Regardless of outcome it is distributed uncensorable systems that must now be created and prevail over all such legacy systems. Twitter Facebook Google and Fake News Media... "fuck them all in their fucking faces". This is old school takeover, for even more fun just wait till the freedom loving cryptoanarchist $TeraCap starts to swing its massive dick around. It's working. Musk Speaking To Co-Investors As Twitter Board Adopts "Poison Pill" To Thwart Hostile Takeover In an attempt to move along his hostile takeover following Twitter's adoption of a poison pill takeover defense (see below), the NY Post reports that Elon Musk is speaking to potential co-investors who could partner with him on a bid for the social network, and cites sources according to whom a new plan that includes partners could be announced within days. One possibility is teaming with private-equity firm Silver Lake Partners, which was planning to co-invest with him in 2018 when he was considering taking Tesla private, and whose Co-CEO Egon Durban is already a Twitter board member and led Musk’s deal team during the 2018 failed effort to take Tesla private, sources said. Silver Lake declined to comment. Whether Musk would present Twitter with an entirely new offer — perhaps raising his current bid — or whether new partners would simply go in on a purchase with him isn’t clear. A Musk spokesperson declined to comment. As we predicted earlier (see below), one way to circumvent Twitter's Poison Pill is for Musk "to be joined by one or more like-minded, anti-censorship investors such as Peter Thiel who either build up stakes through the poison pill 15% limit in the process making a management and board replacement by proxy vote the simple outcome." And indeed, the Post writes now that the "pill may not stop other entities or people from acquiring their own shares of up to 15% of the company. Those owners could partner with Musk to force a sale, make changes in the executive ranks or push for other overhauls of the company." “This is not over,” a source close to the situation told the Post. It sure isn't because separately, Bloomberg, Reuters and the Post all report that besides Musk’s offer, Twitter has been fielding takeover interest from other parties, including technology-focused private equity firm Thoma Bravo, which is considering making a rival offer. The New York Post reported Thoma Bravo’s interest on Thursday. Additionally, Bloomberg Intelligence analyst Mandeep Singh writes that “Musk could decide to partner with Oracle, whose co-founder Larry Ellison sits on Tesla’s board and has expressed interest in acquiring social media company TikTok’s U.S. assets, and a private equity consortium that includes Thoma Bravo to thwart Twitter’s poison pill, while raising the bid 10-15% to about $50 billion.” * * * As was widely expected and reported in the aftermath of Elon Musk going hostile on Friday morning, on Saturday morning Twitter adopted a measure that will shield it from hostile acquisition bids in a desperate step to prevent billionaire Elon Musk’s offer to take the company private and make it a bastion of free speech. The board set up a shareholder rights plan, also known as a "poison pill" which as we clarified yesterday for the benefit of the company's overly dramatic, overly literal and overly snowflake employees, is not literal... Uhm, someone should probably advise employees "poison pill" is not literal... — zerohedge (@zerohedge) April 14, 2022 ... and which is exercisable if a party - read Elon Musk - acquires 15% of the stock without prior approval, lasting for one year (if the pill had expired the day after the midterms it may have been a bit too obvious). The plan seeks to ensure that anyone taking control of Twitter through open market accumulation pays all shareholders an appropriate control premium, according to a statement Friday. For a company that has struggled greatly with value creation - on Friday TWTR stock closed at $45.08, or 18 cents higher than where it closed on its first day as a public company, or $44.90 - a poison pill defense strategy allows existing shareholders the right to purchase additional shares at a discount, effectively diluting the ownership interest of the hostile party. Poison pills are common among companies under fire from activist investors or in hostile takeover situations. Under Twitter’s plan, each right will entitle its holder to purchase, at the then-current exercise price, additional shares of common stock having a then-current market value of twice the exercise price of the right. Twitter enacted the plan to buy time, Bloomberg reported citing a person familiar with the matter, although it wasn't clear time for what: at $54.20, Musk's offer represents a premium to the historical TWTR price since IPO on 92% of the time. And since the Twitter board, whose constituents are listed below... ... is about to get bombarded with a barrage of lawsuits claiming it violated its fiduciary duty, the board also said it wants to be able to analyze and negotiate any deal, and may still accept it (spoiler alert: it won't). Twitter’s board met Thursday to review Musk’s proposal - which according to the world's richest man was his “best and final” offer and who had already accrued a stake of more than 9% in Twitter since earlier this year - to determine if it was in the best interest of the company and all of its shareholders. Included in Musk’s securities filing disclosing the bid Thursday morning was a script of text he sent to the company. In it he said, “it’s a high price and your shareholders will love it.” Hilariously, one prominent - and former - investor said the offer was too low and the market reaction appeared to agree. Saudi Arabia’s Prince Alwaleed bin Talal said the deal doesn’t “come close to the intrinsic value” of the popular social media platform. Which is, well, hilarious since as we showed yesterday, it appears the Prince no longer has direct ownership of even one share of Twitter stock. Speaking later Thursday at a TED conference, Musk said he wasn’t sure he “will actually be able to acquire it.” He added that his intent was to also retain “as many shareholders as is allowed by the law,” rather than keeping sole ownership of the company himself. After initially surging, Twitter shares dropped 1.7% in New York on Thursday, reflecting the market’s view that the deal is likely to be rejected or to fall through. Musk first disclosed his Twitter stake on April 4, making him the largest individual investor. At the TED conference, he indicated that he has a Plan B if Twitter’s board rejects his offer. He declined to elaborate. But in his filing earlier in the day, he said he would rethink his investment if the bid failed. “If the deal doesn’t work, given that I don’t have confidence in management nor do I believe I can drive the necessary change in the public market, I would need to reconsider my position as a shareholder,” said Musk. * * * Previewing the poison pilll defense, on Thursday, Cameron Winklevoss, founder of the Gemini cryptocurrency exchange, tweeted (of course) that “Twitter is considering a poison pill to thwart @elonmusk’s offer." In response, Musk said that a “poison pill” move would be a "breach" of the board's fiduciary duty and could expose Twitter’s board to “titanic” legal liability. If the current Twitter board takes actions contrary to shareholder interests, they would be breaching their fiduciary duty. The liability they would thereby assume would be titanic in scale. — Elon Musk (@elonmusk) April 14, 2022 Winklevoss alleged in his tweet that, by adopting the poison pill tactic, Twitter was demonstrating its commitment to preserving the status quo even if it has a negative impact on existing shareholders. “They would rather self-immolate than give up their censorship programs. This shows you how deeply committed they are to Orwellian control of the narratives and global discourse. Scary,” he wrote. Twitter has repeatedly suppressed and "shadowbanned" conservative viewpoints, allegations the company has repeatedly denied. Adam Candeub, a law professor at Michigan State University, said that Twitter’s board could face legal consequences if they turn down an offer that’s financially lucrative to shareholders. “Twitter’s owned by shareholders, and the directors have to act in a way that’s in their best interests, not in the way that allows them to keep control of the corporation,” Candeub told The Epoch Times. “If they turn down a very favorable price, there will be dereliction of their legal duty, and there could be lots of legal consequences.” * * * Now that his original plan has been thwarted, Musk has said that he has a "Plan B" in stock for the company although he did not disclose what it is. As Mark Cuban pointed out yesterday... Want to see the whole world lose their shit ? Get Peter Thiel to partner with Elon and raise the bid for Twitter — Mark Cuban (@mcuban) April 14, 2022 ... one possible response is for Elon to be joined by one or more like-minded, anti-censorship investors such as Peter Thiel who either build up stakes through the poison pill 15% limit in the process making a management and board replacement by proxy vote the simple outcome, or they just raise the takeover price to a level that even the woke Twitter board can not reject. Or skip the whale investor approach entirely, and open up twitter to a mass investor buyout, in the form of a DAO, where "token holders will get to vote on what's trending and who gets verified." And of course a decentralized group of supporters for "the current thing" will create a DAO to buy Twitter. Token holders will get to vote on what's trending and who gets verified. Ok I'll stop now 😁 — Mark Cuban (@mcuban) April 14, 2022 Alternatively, Musk can take his appeal directly to his 82 million twitter followers (a quarter of Twitter's total 217 million global Daily Active Users) and have them all buy several shares, then pledge them for Elon during the next proxy vote. Because as much as Twitter wants to reject any buyout offer that will prevent it from imposing the censorship its liberal board and employees love so much, there is only so much it can do. In the end, however, the only question is how dedicated is Musk to control Twitter, because if he really wants it, he will get it.

6 151

Re: [spam][crazy][personal][wrong] parts of triangle program
by Undescribed Horrific Abuse, One Victim & Survivor of Many 28 Aug '23

28 Aug '23

i am working on spamm8ng the list with oarts of an old software habit to cope. this is authorized because this is a list where hacktivists, criminals, and researchers would communicate. i am thinking about filling a right triangle, in a grid. i am expecting to make steps on rediscovering millenial computer graphics. this is relax8ng to me and helps me kniw i can relearn to write code and solve puzzles.

1 10

[ot][spam][crazy][crazy][random]
by Undescribed Horrific Abuse, One Victim & Survivor of Many 28 Aug '23

28 Aug '23

1+1=triangle sin 3i matrices are triangle spirals !

1 9

Cryptocurrency: Banksters Greenlit To Oppress Manipulate Crypto Markets Down, P2P Wins
by grarpamp 23 Aug '23

23 Aug '23

Analysts have noted that price activity of Bitcoin has elements of repression that Banks have been doing to the price of Gold for decades, and been getting fined and jailed for it. The way to beat the Banks is to buy and remove coins from the market, and to actually use, spend, and replace them in the P2P crypto economy for goods and services, instead of using GovBankPol's Fiat. Unlike Gold which is unlikely to ever be used by the masses again, Crypto is growing into use by the billions. Crush the Banksters... adopt and use Private P2P Crypto.

2 4

xNY.io CRYPTOBANK (Whitepaper)
by Gunnar Larson 03 Aug '23

03 Aug '23

I have been hearing some confusion around Coinbase and the xNY.io whitepaper. ... See NEXO.io, sister to Coinbase below. 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 6

LendingClub: Current Board of Directors
by Gunnar Larson 27 Jul '23

27 Jul '23

Pure honesty, what (if anything) does September 11 have to do with LendingClub's Board of Directors (see below)? LendingClub is a peer-to-peer lending company, headquartered in San Francisco, California. It was the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange Commission (SEC), and to offer loan trading on a secondary market. At its height, LendingClub was the world's largest peer-to-peer lending platform. The company claims that $15.98 billion in loans had been originated through its platform ... LendingClub was initially launched on Facebook as one of Facebook's first applications. ---------- Forwarded message --------- From: Anuj Nayar <anayar(a)lendingclub.com> Date: Sun, Oct 24, 2021, 11:36 AM Subject: Re: [EXT] LendingClub: Current Board of Directors To: Gunnar Larson <g(a)xny.io>, Investor Relations <ir(a)lendingclub.com>, Press <Press(a)lendingclub.com> Hi Gunnar On September 11, 2021, in connection with her nomination to serve as superintendent of the New York State Department of Financial Services, Adrienne Harris notified us of her resignation, effective September 12, 2021, from the Company’s Board. Details can be found in the 8k filed on 9/15/21 (below) https://d18rn0p25nwr6d.cloudfront.net/CIK-0001409970/bbc437e4-2920-4d5d-8e0… *From: *Gunnar Larson <g(a)xny.io> *Date: *Saturday, October 23, 2021 at 9:37 AM *To: *Investor Relations <ir(a)lendingclub.com>, Press <Press(a)lendingclub.com> *Cc: *Gunnar Larson <g(a)xny.io> *Subject: *[EXT] LendingClub: Current Board of Directors *CAUTION:* This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. Dear Madam or Sir: Good day to you. Surveying market research, I was wondering if you can kindly confirm, from LendingClub's July 15, 2021 press release: - Is Ms. Adrienne Harris currently a member of LendingClub's board of directors? - https://www.prnewswire.com/news-releases/lendingclub-appoints-adrienne-harr… [prnewswire.com] <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.prnewswire.com_new…> - Reviewing your website, Ms. Harris is not referenced: https://www.lendingclub.com/company/leadership - Bloomberg and other sources do not reference Ms. Harris as a LendingClub board member: https://www.bloomberg.com/quote/LC:US [bloomberg.com] <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.bloomberg.com_quot…> Sending you the very best regards. Thank you, Gunnar -- *Gunnar Larson - xNY.io [xny.io] <https://urldefense.proofpoint.com/v2/url?u=http-3A__www.xNY.io&d=DwMFaQ&c=z…> | Bank.org [bank.org] <https://urldefense.proofpoint.com/v2/url?u=http-3A__Bank.org&d=DwMFaQ&c=zW-…>* MSc [unic.ac.cy] <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.unic.ac.cy_blockch…> - Digital Currency MBA [unic.ac.cy] <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.unic.ac.cy_busines…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 ------------------------------ This message contains confidential information and is intended only for the named addressee. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the named addressee, you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.

1 38

Re: Meta Platforms, Inc. Board of Directors - USPTO, Digital Assets and Moscow Exchange
by Gunnar Larson 27 Jul '23

27 Jul '23

Mr. Chollet: It would appear today's correspondence confirms that Meta is seemingly aware of xNY.io's general concern. - Meta has no real advantage questioning xNY.io's relationship with Moscow Exchange. Understand, xNY.io did not file USPTO application(s) seeking approval for a mark that is defined near exact to that of Moscow Exchange. - Furthermore, on March 17, 2022 Sber announced <https://www.sberbank.com/news-and-media/press-releases/article?newsID=cd44d…> digital asset issuance. This is one day before Meta's March 18, 2022 USPTO submission for mark approval relating to digital assets. - Meta's board of directors may understand xNY.io's general concern of coordination and/or lack of coordination that could risk global digital asset marketplace purity. - xNY.io asks not whether Meta's mark would damage the market for the Moscow Exchange (by, for example, devaluing it through parody or criticism), but whether it *usurps* the market by offering a competing substitute, potentially causing significant damage to digital asset purity and blockchain software technology innovation. Mr. Chollet, the last point is key to resolving any question of xNY.io's relationship with Moscow Exchange. xNY.io's March 24, 2022 memo to Meta is clear and honest. We expect that Meta will not aim to muddy the waters on this important concern forward. With all due respect, Meta’s board of directors may understand xNY.io cannot logically accept that the recent USPTO applications are not a marketplace manipulation exercise at xNY.io’s overall expense. Meta’s board of directors must ask itself, to the best of its knowledge, information, and belief, if further inquiry is reasonable under the circumstances? Respectfully, 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 On Fri, Apr 1, 2022 at 4:21 PM Chollet, Nicki < NChollet(a)kilpatricktownsend.com> wrote: > Dear Gunnar, > > > > We write to confirm we represent Meta Platforms, Inc. in connection with > this matter. Please direct all further correspondence on this matter to our > attention. > > > > We received your letter dated March 24, 2022 and your follow up from this > morning. We reviewed your correspondence, however, we are unable to > determine the merits of your claim. Specifically, your letter does not > provide any information regarding a specific application or registration > being asserted or any evidence of your relationship with any entity owning > rights in the alleged Moscow Exchange mark. Before we can properly evaluate > or respond to your claim, you will need to provide additional details > regarding the basis for your claim and documentation of your relationship > with Moscow Exchange or ownership in the Moscow Exchange mark. > > > > Meta Platforms reserves all rights. > > > > Sincerely, > > > > > *Nichole Davis Chollet **Kilpatrick Townsend & Stockton LLP* > Suite 2800 | 1100 Peachtree Street NE | Atlanta, GA 30309-4528 > office 404 815 6010 | cell 404 906 6948 | fax 404 541 3387 > nchollet(a)kilpatricktownsend.com | My Profile > <http://www.kilpatricktownsend.com/en/People/C/CholletNicholeDavis> | > VCard <http://www.kilpatricktownsend.com/vcard/NicholeDavisChollet.vcf> > > > > *From:* Gunnar Larson <g(a)xny.io> > *Sent:* Friday, April 1, 2022 7:23 AM > *To:* investor(a)fb.com > *Cc:* MetaProsecution <MetaProsecution(a)kilpatricktownsend.com>; > cypherpunks <cypherpunks(a)lists.cpunks.org> > *Subject:* Re: Meta Platforms, Inc. Board of Directors - USPTO, Digital > Assets and Moscow Exchange > > > > > > > > Dear Meta Board of Directors: > > It has been eight days since our original correspondence, seeking clarity > between Meta's logo and the Moscow Exchange logo. > > > > Offering Meta the benefit of the doubt, noting this could simply be some > misunderstanding ... We seek Meta's clarification by 5:00pm today, Friday > April 1, 2022. > > > > Respectfully yours, > > > > 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 > > > > On Thu, Mar 24, 2022 at 5:20 PM Gunnar Larson <g(a)xny.io> wrote: > > Dear Meta Board of Directors: > > > > Please find the attached memo > <https://docs.google.com/document/d/1f_fq1GaKNaAUGEyztdm-oMtIuEW2yXj4C5aoN0G…> addressed > to your attention. > > - Today’s correspondence is to kindly submit xNY.io’s overall concern > of Meta Platforms, Inc. and Moscow Exchange mark similarities, > specifically, both marks seemingly resemble a geometric design consisting > of two loops and/orovals touching or intersecting. > > xNY.io kindly asks Meta’s Board to respond by Friday, March 25, 2022 at > 5:00pm EST. > > > > Respectfully yours, > > > > 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 > > > > > > > > > ------------------------------ > > Confidentiality Notice: > This communication constitutes an electronic communication within the > meaning of the Electronic Communications Privacy Act, 18 U.S.C. Section > 2510, and its disclosure is strictly limited to the recipient intended by > the sender of this message. This transmission, and any attachments, may > contain confidential attorney-client privileged information and attorney > work product. If you are not the intended recipient, any disclosure, > copying, distribution or use of any of the information contained in or > attached to this transmission is STRICTLY PROHIBITED. Please contact us > immediately by return e-mail or at 404 815 6500, and destroy the original > transmission and its attachments without reading or saving in any manner. > > ------------------------------ > > ***DISCLAIMER*** Per Treasury Department Circular 230: Any U.S. federal > tax advice contained in this communication (including any attachments) is > not intended or written to be used, and cannot be used, for the purpose of > (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, > marketing or recommending to another party any transaction or matter > addressed herein. >

1 6

Cryptocurrency: Sam Altman's AI Worldcoin: A 1984 Abomination Upon All Humankind, MUST BE STOPPED
by grarpamp 27 Jul '23

27 Jul '23

Corporate / Government Biometric Coins are the most disgusting Freedom killing CBDC 1984 coins on the planet. Sam Altman's Worldcoin-WDC must be cancelled and stopped. https://ca.finance.yahoo.com/news/openai-chief-sam-altman-close-170808939.h… OpenAI chief Sam Altman is close to raising $100 million for his eyeball-scanning Worldcoin crypto project, report says George Glover May 15, 2023 at 1:08 p.m.·2 min read Sam Altman Sam Altman is set to raise $100 million for his crypto project Worldcoin, according to the Financial Times.Lucy Nicholson/Reuters Sam Altman is close to raising $100 million for Worldcoin, according to the Financial Times. The start-up wants to give people cryptocurrency in exchange for scans of their eyes. Altman is also CEO of OpenAI, the company behind the intelligent language tool ChatGPT. OpenAI boss Sam Altman is close to raising around $100 million in funding for his Worldcoin crypto project, according to a report. Worldcoin is in advanced talks to raise the cash from both new and existing investors ahead of a potential launch within the next few weeks, the Financial Times said Sunday, citing three people with knowledge of the deal. The startup wants to use eyeball-scanning technology to create a digital identification system that would give people across the globe access to a free crypto token called Worldcoin. It's previously received backing from Andreessen Horowitz's crypto fund, Coinbase's VC arm Coinbase Ventures, and FTX founder Sam Bankman-Fried. Worldcoin pulled in $100 million from investors last year through a token sale that valued the company at around $3 billion, according to a report by The Information from March 2022. That fundraising effort came before a bruising period for crypto in which flagship tokens like bitcoin and ether cratered in price and high-profile companies including Bankman-Fried's FTX collapsed. "It's a bear market, a crypto winter. It's remarkable for a project in this space to get this amount of investment," one of the FT's sources told the publication. Altman rose to prominence when he became president of the startup accelerator Y Combinator in 2014, which made him a well-known figure in Silicon Valley. In 2015 he cofounded OpenAI with Tesla and SpaceX boss Elon Musk, and he is currently the company's CEO. During Altman's time as CEO, OpenAI has released popular generative AI tools including ChatGPT and DALL-E to the public. Worldcoin didn't immediately respond to Insider's request for comment, sent outside normal working hours. Read more: Meet OpenAI CEO Sam Altman, who learned to code at 8 and is a doomsday prepper with a stash of gold, guns, and gas masks

1 8

Harvard inflates wood ...
by Gunnar Larson 27 Jul '23

27 Jul '23

Digital Assets: Beauty Is Not in the Eye of the Beholder " ... When recommendations by some consultants and the allocation of TIMBER by Harvard University’s endowment led to broad interest in the asset. Timber funds were launched with the understanding that they provided diversification and enhanced returns. Our analysis showed that timber did not add any value to our clients’ portfolios, and we recommended against investing in timber funds." -Goldman Sachs Investment Group (June 2021): https://drive.google.com/file/d/1yEQupX1a7VS4K6N018Y0SF_0v4lpJWz8/view?usp=…

2 8