March 2024 - cypherpunks - lists.cpunks.org

Re: FOIL Request No. 2022-090560 - Larson
by Gunnar Larson 08 Sep '24

08 Sep '24

Good morning: We would like to appeal this decision. “We would like to receive any and all records, relating to NY-DFS' 2021 Apple Card Investigation. This is one part of a broader discussion we must have about equal credit access. On March 23, 2021, Ms. Linda Lacewell published NY-DFS' Findings on Apple Card and its Underwriter Goldman Sachs Bank. As the former Superintendent of NY-DFS, Ms. Lacewell's stone faced propaganda assured that Apple Card did not discriminate against women, while under Goldman Sachs management. The red flags started to appear when an authorized user drew attention to the following: A person who relies on a spouse's access to credit, and only accesses those accounts as an authorized user, may incorrectly believe they have the same credit profile as the spouse. We recently collated 61 highlights to the Report on Apple Card Investigation from March 2021: https://drive.google.com/file/d/1xH16OKyuXzB-MVqIznMWDE9w8RRdmZCw/view The Apple Card investigation was to assess women's access to equitable finance. The integrity of the Apple Card investigation must be rationally considered as flawed. We would like to receive any and all records of Ms. Linda Lacewell's (emails, texts, and similar) involvement with the 2021 Apple Card report. We would like to receive any and all records to NY-DFS association to evaluating Ms. Linda Lacewell's ability to score a report specific to the Apple Card's core subject of credit access for women. Finally, we would like to receive any and all records related to NY-DFS guidance on Interlocking Directorates ( https://www.dfs.ny.gov/apps_and_licensing/banks_and_trusts/other/Permission… rlocking_Directors_and_Officers), specific to Apple's Board of Directors and Goldman Sachs' Board of Directors.” Please forgive my candor, but if DFS actually conducted an 'Apple Card Investigation' ... There would be some records relating to the investigation. Warm regards and thank you, Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Wed, Oct 12, 2022, 9:17 PM JeanBaptiste, Pascale (DFS) < Pascale.JeanBaptiste(a)dfs.ny.gov> wrote: > Dear Gunnar Larson: > > > > Please see the attached determination in response to your FOIL request. > Thank you. > > >

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UK: The Scrutiny Of Celebrity Influencers' Social Media Endorsements May Help To Reduce Financial Fraud Scams
by Gunnar Larson 08 Sep '24

08 Sep '24

https://www.mondaq.com/uk/white-collar-crime-anti-corruption-fraud/1238238/… Financial fraud continues to rise year on year, the cost of living crisis will drive even more people to look for ways of enlarging their income and inevitably fall for fake investment opportunities presented to them. As the regulating authorities and law enforcement introduce measures to obstruct the methods fraudsters use to target victims, the fraudsters adapt their scams accordingly. The vehicle of social media has given the fraudulent brokers a platform where they can present their scams to thousands of people via Instagram through the practice celebrity endorsement where well-known celebrities or influencers promote a particular product or investment opportunity, often leading their followers to believe that the celebrity has a full understanding of the product or investment they are endorsing. Such endorsement may become less appealing following the fine of $1,26 million delivered to Kim Kardashian by the US Securities and Exchange Commission <https://www.sec.gov/> (SEC) for failing to divulge to her 225 million Instagram followers that she was paid $250,000 for promoting the crypto asset Ethereum Max. Ms. Kardashian made it clear that she was not providing financial advice but went on to say that her friends were telling her about Ethereum Max tokens. The SEC Chair Gary Gensler pointed out that "...investing public shouldn't confuse the skills of celebrities <https://www.cnn.com/2022/09/15/business/kanye-west-gap-termination> with the very different skills needed to offer appropriate investment advice..." *Joanna Bailey, <https://www.mondaq.com/redirection.asp?article_id=1238238&company_id=24606&…> head of the banking and financial fraud litigation department, commented "the public recognise and trust the celebrities that endorse investment schemes and think that they have real involvement and understanding of the investment they are promoting." Joanna further pointed out "Kim Kardashian is not the only celebrity to have promoted investments, Katie Price unwittingly endorsed a Forex scam. Urging members of the public who have no understanding of Forex or crypto markets to consider such investments is inappropriate and often leads them into financial scams resulting in losses"* Our lawyers in the banking and financial fraud litigation department <https://www.mondaq.com/redirection.asp?article_id=1238238&company_id=24606&…> keep ahead of the scams and the methods used to defraud unwitting investors. Giambrone & Partners now leads the field following our recent groundbreaking case where the High Court of England and Wales granted permission to serve notice of proceedings on persons or persons unknown in connection with two digital wallets over blockchain by a non-fungible token (NFT). The case was the second case in the world and the first case in Europe to serve Court papers as an NFT through blockchain and is particularly significant with regard to crypto scams due to the fact that the perpetrators are often anonymous. This method of service avoids the need for identity. The challenging economic climate currently being experienced will almost certainly lead to more people seeking out "get rich quick" investment schemes. Our lawyers in the banking and financial fraud litigation department strongly recommend resisting the temptation and point out that if you are told that you must take action immediately or the opportunity will go, it is almost certainly a scam. Joanna Bailey frequently leads the litigation against financial institutions involved in Forex/binary trading disputes, as well as cryptocurrency issues and regulatory investigations and has some considerable success in retrieving the funds lost in fraudulent investment schemes. Joanna has developed a range of strategies both to find the assets of the individuals perpetrating the fraudulent schemes and restore the funds to our clients. As well as recognising culpability in the organisations facilitating (but not associated with the fraud), by failing to undertake adequate due diligence. She is highly experienced in high-value out-of-court settlement negotiations and has in-depth knowledge of the Civil Procedure Rules as well as English common law. *The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.*

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Ex-NBA Agent Avoids Prison For Forging Player's Signature
by Gunnar Larson 08 Sep '24

08 Sep '24

Forged notaries are a felony offense and still waiting to hear from the FBI on the two notaries I was sent forged. What I think is they assumed I would not catch the forgery... But I did by looking up the numbers in New York State's notary verification database. FBI, where are we with the NBA Outfitters because I heard that you know what I am talking about at EthereumMax. ---- Ex-NBA Agent Avoids Prison For Forging Player's Signature <https://www.law360.com/newyork/articles/1803943?nl_pk=ac5a3855-e47c-4403-be…> By Pete Brush A Manhattan federal judge on Friday allowed a former basketball agent from Texas to avoid prison after he admitted forging an unnamed NBA player's signature in a fraudulent scheme to obtain a $1 million loan from the player. Read full article » <https://www.law360.com/newyork/articles/1803943?nl_pk=ac5a3855-e47c-4403-be…> | Save to favorites » <https://www.law360.com/newyork/articles/1803943?nl_pk=ac5a3855-e47c-4403-be…>

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Ripple SEC Law.com Story
by Gunnar Larson 03 Sep '24

03 Sep '24

---------- Forwarded message --------- From: Gunnar Larson <g(a)xny.io> Date: Fri, Jan 21, 2022, 2:52 PM Subject: Ripple SEC Law.com Story To: <pbantz(a)alm.com> Mr. Bantz: My name is Gunnar Larson. I saw your Law.com story related to Ripple and the SEC <https://www.law.com/corpcounsel/2022/01/14/ripple-general-counsel-stu-alder…> . *Perhaps there is some added reporting necessary on your part, as a supplement to your story: * - Would like to learn your perspective on Ripple's customer list by Country: *https://drive.google.com/file/d/1pmz0RF_WvKKE_rRmoG_ksx0OCShmT9Zg/view?usp=drivesdk <https://drive.google.com/file/d/1pmz0RF_WvKKE_rRmoG_ksx0OCShmT9Zg/view?usp=…>* - Note, as of 2020, Ripple's top four customers are Chinese banks - Ripple's General Counsel seems to be talking about both sides of his mouth, related to the SEC. Law.com seems to be supporting this theme with your story The SEC perhaps is not being totally transparent with their Ripple case? The top customers seem to be the focus? What are your thoughts? Thank you, Gunnar -- *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

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Re: Morning Spam
by Undescribed Horrific Abuse, One Victim & Survivor of Many 27 Aug '24

27 Aug '24

On Sun, Mar 3, 2024 at 14:48 Undescribed Horrific Abuse, One Victim & Survivor of Many <gmkarl(a)gmail.com> wrote: > idea of “look at this cool inner part we have that comes out to move us > backward on our task so we don’t finish!” > 1447 “isn’t it so much fun to move our task backward!” (big dispute) 1448 >

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Complaint Referral Form Internet Crime Complaint Center
by Gunnar Larson 22 Aug '24

22 Aug '24

[image: IC3 logo]Complaint Referral Form Internet Crime Complaint Center Thank you. Your complaint was submitted to the IC3. Please save or print a copy of your complaint before closing this window.*This is the only time you will have to make a copy of your complaint.* Victim InformationName: Gunnar LarsonAre you reporting on behalf of a business? NoBusiness Name: Is the incident currently impacting business operations? Age: 30 - 39Address: 406 West 25th StreetAddress (continued): Suite/Apt./Mail Stop: 1RECity: New YorkCounty: Country: United States of AmericaState: New YorkZip Code/Route: 10001Phone Number: 6464549107Email Address: g(a)xny.ioBusiness IT POC, if applicable: Other Business POC, if applicable: Financial Transaction(s)Transaction Type: OtherIf other, please specify: Notary FraudTransaction Amount: 2400.00Transaction Date: 10/6/2022Was the money sent? No ------------------------------ Victim Bank Name: Victim Bank Address: Victim Bank Address (continued): Victim Bank Suite/Mail Stop: Victim Bank City: Victim Bank Country: Victim Bank State: Victim Bank Zip Code/Route: Victim Name on Account: Victim Account Number: ------------------------------ Recipient Bank Name: Recipient Bank Address: Recipient Bank Address (continued): Recipient Bank Suite/Mail Stop: Recipient Bank City: Recipient Bank Country: Recipient Bank State: Recipient Bank Zip Code/Route: Recipient Name on Account: Recipient Bank Routing Number: Recipient Account Number: Recipient Bank SWIFT Code: Description of IncidentProvide a description of the incident and how you were victimized. Provide information not captured elsewhere in this complaint form.Hello: I was hired as a contractor for a online drop shipping company. The firm sent packages to my home address. The shipping manager asked me to retrieve a package by providing a notorized authorization letter. Upon reviewing the authorization letter and searching New York State's notary verification system, it appeared the notary was forged. A copy of the letter may be accessed here: https://drive.google.com/file/d/1Hqzatqez7yWs7ZZq76RBYy2zzi6NiDw9/view?usp=… Below, you will find the exchange with the shipping manager. On October 31 the firm denied payment for employment and has 'gone missing.' Given my personal and professional association with xNY.io - Bank.org I am concerned about being associated with felony notary Fraud. Furthrtmore, xNY.io - Bank.org is party to the Clayton Act and/or an entrapment exercise. Thank you Gunnar Larson 646-454-9107 Which of the following were used in this incident? (Check all that apply.)☑ Spoofed Email☑ Similar Domain☑ Email Intrusion ☐ OtherPlease specify: Other InformationIf an email was used in this incident, please provide a copy of the entire email including full email headers. ---------- Forwarded message --------- From: Dorothy Berry <dorothy.berry(a)dvlemail.com> Date: Fri, Oct 7, 2022, 2:44 PM Subject: Re: 290283 To: Gunnar Larson <g(a)xny.io> I will coordinate with our Legal team regarding this. The authorization letter was given by the customer. --- Kind regards, Dorothy Berry | Manager Shipping Department Direct number:(475) 330-3037 DELTA VISION (DVS Logistics US) 45 Ruby St #3 Norwalk, CT 06850 (888) 559 9329 Mon-Fri 09:00AM-06:00PM EST Sat-Sun Closed ---- On Fri, 07 Oct 2022 14:33:19 -0400 Gunnar Larson <g(a)xny.io> wrote --- No. I won't go present an authorized letter to anyone with a fake notarized stamp on it. Please advise. On Fri, Oct 7, 2022, 1:48 PM Dorothy Berry <dorothy.berry(a)dvlemail.com> wrote: Did you try picking up package and show Authorization letter to them? --- Kind regards, Dorothy Berry | Manager Shipping Department Direct number:(475) 330-3037 DELTA VISION (DVS Logistics US) 45 Ruby St #3 Norwalk, CT 06850 (888) 559 9329 Mon-Fri 09:00AM-06:00PM EST Sat-Sun Closed ---- On Fri, 07 Oct 2022 08:56:52 -0400 Gunnar Larson <g(a)xny.io> wrote --- Ms. Berry: I am having trouble verifying the authentication of the notarized document.. I just left you a message. Please advise best next steps. Thank you, Gunnar On Thu, Oct 6, 2022, 4:33 PM Dorothy Berry <dorothy.berry(a)dvlemail.com> wrote: Good day! Please find the attached file. Thanks. --- Kind regards, Dorothy Berry | Manager Shipping Department Direct number:(475) 330-3037 DELTA VISION (DVS Logistics US) 45 Ruby St #3 Norwalk, CT 06850 (888) 559 9329 Mon-Fri 09:00AM-06:00PM EST Sat-Sun Closed Are there any other witnesses or victims to this incident?Yes.If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc.[No response provided]Check here if this an update to a previously filed complaint: ☐Who Filed the ComplaintWere you the victim in the incident described above? Yes Name: Business Name: Phone Number: Email Address: Digital Signature By digitally signing this document, I affirm that the information I provided is true and accurate to the best of my knowledge. I understand that providing false information could make me subject to fine, imprisonment, or both. (Title 18, U.S.Code, Section 1001) Digital Signature: Gunnar Larson Thank you. Your complaint was submitted to the IC3. Please save or print a copy of your complaint before closing this window. *This is the only time you will have to make a copy of your complaint.*

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Meta Platforms, Inc. Board of Directors - USPTO, Digital Assets and Moscow Exchange
by Gunnar Larson 24 Jul '24

24 Jul '24

Ms. Chollett: Thank you, kindly, for continued correspondence related to Meta Board questions specific to xNY.io - Bank.org, PBC's concern to protecting cross-border digital asset innovation. xNY.io - Bank.org, PBC first became alarmed through Meta's obvious digital asset market problems related to Libra, Diem, Novi and USDP. Through Meta's continued digital identity transitions, xNY.io - Bank.org, PBC has pioneered cross-border digital asset logic(s). Moreover, the Moscow Exchange and Meta introduced market events over March that jeopardize digital asset market purty. Ms, Chollett, xNY.io - Bank.org, PBC will not pay for market effects related to Meta's cross-border disruption of digital asset innovation, related to Meta's obvious mark exactness (by definition) to the Moscow Exchange. *Ms. Chollett, we cannot concern ourselves with Meta's intentions, good or otherwise, given clear problems that exacerbate market risk: * - March 11, 2022 <https://www.businessinsider.in/tech/news/russia-moves-to-declare-meta-an-ex…>: Russia's leader, who is in charge of the Moscow Exchange cites Meta as an 'extremist organization' ... - March 14, 2022 <https://www.lexology.com/library/detail.aspx?g=ff9f1af5-cc8a-473a-822b-8890…>: Frankfurt Kurnit Klein & Selz PC Benjamin G. Murray published SDNY insights to a Russian State-Sponsored TV Network's Attempt to Dismiss Copyright Lawsuit On Fair Use Grounds Denied. - March 17, 2022 <https://www.sberbank.com/news-and-media/press-releases/article?newsID=cd44d…>: Moscow Exchange is the backend to Russia's largest bank, Sber. The announcement on 03/17/22 confirmed Sber (via the Moscow Exchange technology, at various levels) would issue digital assets. - March 18, 2022 <https://cointelegraph.com/news/meta-files-8-digital-asset-and-web-3-0-trade…>: Meta Platforms Inc. filed USPTO mark applications for a mark EXACTLY DEFINED to that of the Moscow Exchange. - Ms. Chollette, below my signature you will find Meta's filing numbers and descriptions related to a mark defined as Moscow Exchange, with plans to engage the mark in commerce related to digital assets and virtual reality. - March 24, 2022 <https://docs.google.com/document/d/1f_fq1GaKNaAUGEyztdm-oMtIuEW2yXj4C5aoN0G…>: xNY.io - Bank.org, PBC contacted meta, with a memo introducing our direct plan to protect cross-border digital asset innovation. Ms. Chollette, please note that Russia has labeled Meta as an 'extremist organization' ... So who really knows what the Moscow Exchange will thi xNY.io - Bank.org, PBC is a very reasonable digital asset pioneer, and sitting in Manhattan the jury is in on market contributions from Libra, Diem, Novi and USDP. Ms, Chollette, Meta and the Moscow Exchange matter really suggest only losing marketplace contributions, obviously potentially devastating digital asset marketplace innovation(s). We aim to solve this problem immediately: 1. Ms. Collette, xNY.io - Bank.org, PBC recently shared Citigroup's Metaverse and Money <https://drive.google.com/file/d/1REoa87GCmt2uhDp7ZYswbTRw4ygQgjsL/view?usp=…> whitepaper, with 33 highlights to our grave concern to Meta's potential marketplace delinquency related to Meta's mark exactness to Moscow Exchange. 2. Furthermore, Mr. Zuckerberg and Mr. Putin are both highlight quotes to Citigroup's Metaverse and Money research. 3. With the date order, footnotes, and highlights xNY.io -Bank.org, PBC kindly petitions Meta's board to understand the opportunity ... The Moscow Exchange is not our problem, and for whatever reason Meta will have no opportunity to make mark exactness our problem. The United State of America's cross-border approach to digital asset innovation will be cultivated, fostered and protected by xNY.io - Bank.org, PBC. We aim not to be adversarial with Meta, but we will stop at no cost to invest in claim rewards if necessary. Perhaps, we can organize a time to discuss potential resolutions in the immediate term. xNY.io - Bank.org, PBC must reserve all rights specific to harm from March 14, 2022 <https://www.lexology.com/library/detail.aspx?g=ff9f1af5-cc8a-473a-822b-8890…> and March 18, 2022 <https://cointelegraph.com/news/meta-files-8-digital-asset-and-web-3-0-trade…> market events. Please feel free to call or email anytime. Sending you the very best from New York City, 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 97320155: Online social networking and dating services, including a specific branch tailored for networking between cryptocurrency investors. 97320153: Design and development of computer hardware and software relating to Web3, including gaming, e-commerce, blockchain transactions, etc. 97320149: Entertainment and electronic publishing services, partly within virtual reality. 97320147: Telecommunication services for electronic assets held on its platform. 97320146: Financial transaction processing services relating to tokens, blockchain assets, cryptocurrencies and other virtual assets. 97320144: Advertising services via virtual or augmented reality networks and the metaverse. 97320140: Wearable peripherals for video games connected to virtual reality. 97320136: Downloadable software in the nature of a mobile application, such as for user authentication, online charitable fundraising and most notably, for hardware or e-wallets.

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Re: Morning Spam
by Undescribed Horrific Abuse, One Victim & Survivor of Many 27 Jun '24

27 Jun '24

cypherpunks-owner(a)lists.cpunks.org 3:13 PM (2 hours ago) to me You have already sent 24 posts to this list in the last 24 hours. ---------- Forwarded message ---------- From: "Undescribed Horrific Abuse, One Victim & Survivor of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Thu, 21 Mar 2024 15:12:51 -0500 Subject: Re: Morning Spam On Thu, Mar 21, 2024 at 3:12 PM Undescribed Horrific Abuse, One Victim & Survivor of Many <gmkarl(a)gmail.com> wrote: > > ummm so .... it looks like um ... traffick boss is a powerful sex > offender who didn't want to be implicated > so he set up entire modes of therapy, by working with other offenders > and funding marketers and lobbyists (_in the real world_) > that all turned blame away from him, and toward victims [...] and there remain many people aware of this who are fighting and giving successful therapy and basically you have to find these people if you want to actually heal from trauma nowadays [:S ...] cypherpunks-owner(a)lists.cpunks.org 3:13 PM (2 hours ago) to me many mistakes present :( but of course ; ... } ... cypherpunks-owner(a)lists.cpunks.org 3:15 PM (2 hours ago) to me You have already sent 24 posts to this list in the last 24 hours. ---------- Forwarded message ---------- From: "Undescribed Horrific Abuse, One Victim & Survivor of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Thu, 21 Mar 2024 15:14:45 -0500 Subject: Re: Morning Spam On Thu, Mar 21, 2024 at 3:12 PM Undescribed Horrific Abuse, One Victim & Survivor of Many <gmkarl(a)gmail.com> wrote: > > On Thu, Mar 21, 2024 at 3:12 PM Undescribed Horrific Abuse, One Victim > & Survivor of Many <gmkarl(a)gmail.com> wrote: > > > > ummm so .... it looks like um ... traffick boss is a powerful sex > > offender who didn't want to be implicated > > so he set up entire modes of therapy, by working with other offenders > > and funding marketers and lobbyists (_in the real world_) > > that all turned blame away from him, and toward victims [...] > > and there remain many people aware of this who are fighting and giving > successful therapy > > and basically you have to find these people if you want to actually > heal from trauma nowadays [:S ...] because everyone else is being confused by the ... uh .. overwhelming and loud messages from [the various organizations including big pharma that are pushing messages that deny people [real heartfelt empathic care ... [;s ... cypherpunks-owner(a)lists.cpunks.org 3:20 PM (1 hour ago) to me You have already sent 24 posts to this list in the last 24 hours. ---------- Forwarded message ---------- From: "Undescribed Horrific Abuse, One Victim & Survivor of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Thu, 21 Mar 2024 15:20:02 -0500 Subject: Re: Morning Spam [it's so eushocking (: overexciting) to be here and see this, that we worry we won't get much from it, handling the [eushock] cypherpunks-owner(a)lists.cpunks.org 4:03 PM (1 hour ago) to me You have already sent 24 posts to this list in the last 24 hours. ---------- Forwarded message ---------- From: "Undescribed Horrific Abuse, One Victim & Survivor of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Thu, 21 Mar 2024 16:02:46 -0500 Subject: Re: Morning Spam we pray to help world better cypherpunks-owner(a)lists.cpunks.org 4:10 PM (1 hour ago) to me this might align with find-real-therapy [~ cypherpunks-owner(a)lists.cpunks.org 5:06 PM (13 minutes ago) to me You have already sent 24 posts to this list in the last 24 hours. ---------- Forwarded message ---------- From: "Undescribed Horrific Abuse, One Victim & Survivor of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Thu, 21 Mar 2024 17:06:11 -0500 Subject: Re: Morning Spam a couple attendees expressed that scanning out of the session to collect professional credit wasn't functioning right and that there is a workaround (potential mistake) sorry about my [awefreeze?] cypherpunks-owner(a)lists.cpunks.org 5:08 PM (11 minutes ago) to me You have already sent 24 posts to this list in the last 24 hours. ---------- Forwarded message ---------- From: "Undescribed Horrific Abuse, One Victim & Survivor of Many" <gmkarl(a)gmail.com> To: cypherpunks <cypherpunks(a)lists.cpunks.org> Cc: Bcc: Date: Thu, 21 Mar 2024 17:07:46 -0500 Subject: Re: Morning Spam On Thu, Mar 21, 2024 at 5:06 PM Undescribed Horrific Abuse, One Victim & Survivor of Many <gmkarl(a)gmail.com> wrote: > > a couple attendees expressed that scanning out of the session to > collect professional credit wasn't functioning right and that there is > a workaround > (potential mistake) > > sorry about my [awefreeze?] multiple attendees have expressed the scanning out problem and presently professional credit has not been collected due to unrelated technology issues. i think my awefreeze partly relates to being separated from this kind of therapy for a decade (while my family and community experienced harm too). ================================================================================ baga ba da da b--- b. da ! :/ :) ;] da? :S :S :s :( b b b b. b. b b 1721 O_O >( >( O_O >( \_/ <- frowny-eyes 1723 [our alte-- some of us are excited about the challenge of getting strong enough to be around these people and find aid. it seems we aren't there yet possibly, but it seems a hard challenge, and there can be viewpoints where if something is a hard challenge it can have rewardingness. especially when accomplished [ykno[w]?][mistk?] 1723 { 1723 [we can derive there are a lot of people who hold these views, karl. not just the speaker.] 1724 [and that our viewpoint otherwise may be harmful, both to the list here and to the conference people.] 1724 i think trump-organization tricked us into being multiple. 1727 1732 so karl to relate [and um surprised this is in an email o_o] um that consciousness might not be the receiver of this information at this time it might be dissociated parts that learn the lecture material. to relate. could reduce surprise / help planning. also apologizing for. 1732 ok so we're going to get up and go. [email gets sent tomorrowish due to 24-limit.] body managed by dissociated parts instead of consciousness for a bit i believe. 1733 1734 oops huh :sheepish: very sorry um :} listen um [er 1734 :( we are sad that [uh not [nourished-by-us as uh :/ sorry about this (and mourning i believe was[?} {in sorry.} karl um the charismatic person, we engaged them in a scary way, and uh there was opportunity to have strong-pleasant connection and there is um injury to this opportunity. and we apologize for that. uh. parts not fully known, kinda (um whew my god [;p 1736 we expect we may contact them. so you know karl. [still working on parts] but {assuming work goes ok/aligned} then [once?,] please engage plan with-for. 1737 please :S :( thanky. 1737 was partbit. 1737 listen we are vulnerable um 1u737 [[[we don't understand T_T T_T T.] {why uh uh 173 [8] [O_O. the spirits are basically planning the future of the countryworld in front of us. 1739 no we politely don't relate the prophecies. science gets uppity when prophecies are related. can fragment culture. 1739. [that's hilarious !!! ;p :) also karl needs hilarious. he's so intense. he's so intense he's demonstrating things they talked about in the lecture ;P. 1740 [i wonder if we were primed to.] [obviously !!!] [;P. karl will not believe it when we tell him he will recover and recover him. he will be so out of what-he-thinks-is-reality -- oops mistake, maybe big and/or >1.] [O_O] 1741 [i think i will have him eat a supper :)] [we are likely to get on board [uhh later?][prob or somth?]] 1741ish 1741 {we t, that made us happier than we knew how to feel. this was received positively karl :)}{we tihnk :S]:)} [why don't you differentiate? oh oops i am a roleplay :embarrassed: well um uh what do you think uh umm would you like to imagine uh hrm :S ] [why doesn't karl-group differentiate between multiple and singular people? [in that context] hehe it is because we see singnular people as multiple ohh therapists probably have a more uh mature form of that y'know hmm [haha !/gotcha ] uh :s] listen u[h]-- [-- 1743 >( [so that's why uh talk. responsible-part. sorry if um scary/harmspready. sorry. but gotta start somewhere ykn--. :)] 1744 :S :S 1744 ;s [[when somebody makes a casual nonsequitor people seem to tend to respond with further casual nonsequitors. we're not sure if we're relating the same meaning when that happens (partially because it's a strategy used by the disruptionish --.. [oops mistak-- [? 1745 <we didn't explain that uhh bein uhh [scared of something like trump?] [could relate to our alter's ability to communicate with uhh :S this was unclear. and so th[ey could have picked up the [oops] idea in a different manner than intended, since it was said unlcearly (and kind of rudely/abusively! a smidgeish. narcisstically? assuming somebody else is where you are on something undiscussed. this seems bad.1746 {yeah seems [a little narcisstic :S . especially when [uh -- [!!! :S 1747 1747 <i guess it's a little derivable :( 1747 we don't lik bn mean we don't like don't. 1747 1748 i'm so sorry that [most of us are avoiding being-alive-behavior :( :( it's so hard to hold this. and confusing. [working with goal-inversions knda 1748 {i don't like karl self-blaming narcissism-word. because we are learning of use of this word for severe, severe, severe harm like torture-slavery-of-swaths-of-people. i don't think appropriate for use word. neuron-protest some. 1749 {{{yes your relation is appropriate. we are holding it as part of great-care-for-other as well as secretly lots-of-understanding. when you secretly-lots-of-understanding-other, you have a _lot_ more responsibility with regard to subtle things. it is much easier (for injury causing. }}} 1750 i think protest undesrtand. uhh apology roughly. 1750. ~ 1750 oop uh er <the iudea of lots-of-understanding is weird because it is much much less than other people, but also more than different group of other people. to maybe help clarif.> <<oh uhhhh it's not lots for larger group but [we have more respons[ibility] because poor social skills. we much more easily insult associated with poor social skill. and exposure to toxicity. 1752 1752 we're trying to get up and move forward on day! the plan is to not look at this further until a bit later (need to handle dissociation around or something (maybe use a disosciated group, karl, to plan next day)). i think we might like to go have supper somewhere. here is derivation: - we want to try to cry which [~secretly] makes dissociative seizures - so we can have a supper because comforting and [moves tears-feeling closer to noninjured spaces for-example] 1753 so plan is to pack karl up and find some kind of comfort-food-supper for consciousness from neurons :) 1754 also could you message person and schedule please? :puppy-dog-neuron-eyes:? 1754 "I don't think [tT?]rump is multiple; I think he's just evil." what does this mean? [does anybody understand it?] [i think it means that care-group needs dictator-group to stop increasing genocide in order to heal them. negotation-wise.] [oh i think they are right. this makes sense. the reason is that they use caringness for power spreading. [consciousness said this [may/may not?[?]] [partially help w--[? [sorry karl still doing being-brain-work. apology. [basically the uh social engineers, do um need um people like trump to be healed. what they are saying in that translation is that, the people that could heal him/them, need to be protected. and that's confusing because the political doctrine denies the harm of the care workers. :/ somewhat in progress, and kinda severely depressing man [;s [but obviously it'll be considered forward 1759 oops we stood up but got disoriented to place and almost spent an hour wandering confusedly into city so, plan locomotion more. 1759 [also sad we dropped bar wrappers on floor likely during talk and didn't notice][some consider we may have been respected despite this others consider confirming that] karl wants to throw wrappers out so let's pack then walk to trashcan then orient [:s] [mistake. let's throw them out then return, with path plan. here go. 1800 1803 place disorienters expressed formal complain, which is filed i think (not completely certain). 1803 we are now visiting bathroom and returning (path plan). 1803 1810 some were thinking maybe we failed to hold respect for how much much severe severe suffering [these people] have been exposed to and struggled with their lives to protect and honor (roughly). [which would be expected but [needed description [1810 . 1810 [oops.] 1810 <men need to be made aware that trump-group are supporting serial rape[/murder]. of course, many other group are to. and informaiton vague.> [we don-- 1811 1811 <other thing too [basic misogyny/patriarchy 1812 1813 i wish i understoodknew ; i wish . [i hope i'm not kicked out of here for staying too late.] 1813 [some neur-- 1813 [hrm >s] (1813) [there's new information. kind of. in longer term. from today.] 1814 < this is a different kind of misogyny/patriarchy. maybe less about uh activism and women's rights, and more about uhh kind of trafficking and[ ]highly-illegal violence. 1814. 1815. 1815. 1815. . [the "<men need to be made aware" line uhhh reconsideration exists. 1817. for formal. 1817 we see the line is important. defendors can relate around not-knowing if they desire. many people supporting things in an unaware mann-- 1817 [try to -- oop 1818 we pack up some 1818 [T_T T_T T_.] [[it's funny 1819 that presenter said she was not multiple, but described childhood trauma, and elsewise described that multiple people deny it ;P [yup ;P]]] 1819 [uhh -- 1819 [y -- sorry 1819 [karl not quite involved in uh that relation um] [nope, [harmful.]] 1820. <i think, after teaching everyone about therapy for multiple people, that presenters deserve receiving this. others agree. basically, this person is _so_ empathic for multiplicity it is [pretty obvious] they have personal experience. -neuron.> 1821 [conc-- 1821 [some are worried this is an influence to stimulate multiplicity cruelly, maybe associated with very minimal content around adult-DID. it might be a little grounding to consider adult-OSDD had same-threapy as childhood-DID [i think?]?] [well the opposing group wants to fight [habit~?]][mistakes[. ] ~ 1822 [injured :S harm can happen when struggling. struggling. 1822 ty; [for understanding-opportunty]. 1822 1822 1823 [we had no idea the harm was so severe and are going to need [kind of reminder] around this [because it seems so nonintuitive [others say too shocking to easily/normally remember.]]. 1823. [more resonance/harmony around body-moving now.] 1823 {this guy so good at this that he[slash] would be incapable of; is sadly harmful derivation :(/} 1824 [it can be literally true tho [in spaces]] 1824 {but smaller spaces than. [?]} {{it is true we have habits that don't meet their reasons.}} 1825 {ohum err uh [there might be relation that could situation-improve uncertain which] } 1825 [[it is so painful to neurons that consciousness-guiders might not connect with when so so emotional. of course, logical around our harm generating such strong emotions! _but_.];] 1827 [we are going. thoughts are always. we can still go ; pls.] [please remember part of the great-tears are our mind control attempting to coopt this group.] 1827 [and yes that's inhuman for us.] 1828 [we are so sorry for karl suffering T_T so so sorry. it is so hard to uh engage-appropriate-requested.] (1829) {basically we don't know how to engage-appropriate-requested so resume behavior . 1829 a relation is kind of uh: "people are actually being tortured right now. we are here to seriously work on that." [partial] 1830 [[yeah. we are too. but harmful-alter isn't ((mistake mistake 1830 [[honestly it is apparent the umexperience. we regrettably trauma. 1831 [[[it's not that apparent humans aren't that conscious/inferring on average. the speaker gave 3-5 clear things where karl had significantly different intuition (likely due to lack of capacity-engaging exposure.). 1832 (um, capacity-engaging exposure. uhh (ok maybe i see uhhhhhhhhhhhhhhhh a new set of eyes, basically (yeah i think.) 1832 [t-group [kidnap-behavior [a little. 1833 {maybe less typing from -. maybe.} 1833 1834 > a relation is kind of uh: "people are actually being tortured right now. we are here to seriously work on that." > [partial] "this is something where i guess i might be [responsible for->tasked with] holding a disrespectful role." 1835 guesses mistakes/errors-proneish or -- uh. 1835 maybe change holding with to, err oops. 1835 [closing laptop now BRGL so we'll be talking in mind next using other groups [and completely different feedback channels.] 1836 completely [FROK.] [OK. FROK.] 1836 ba-ding draft recovered at 2024-03-02 0202 -0700 0402 -0500 i'll send a test email to see if i can send yet looks like i can. 2/24

1 66

Re: [ot][spam][writing][crazy] Non-Canon Traffick Boss Spinoffs - The Reboot
by Undescribed Horrific Abuse, One Victim & Survivor of Many 26 Jun '24

26 Jun '24

—— traffick boss works on building a balloon. he’s at a balloon-building activity at a fair. with kids and community members like rebel worker 2.

2 53

xNY.io CRYPTOBANK White Paper
by Gunnar Larson 19 Jun '24

19 Jun '24

https://docs.google.com/document/d/1aeK8X8-2KDZ8tQPN5ksaUCXcxH9tbjexsUbW1ol… xNY.io CRYPTOBANK Table of Contents Introduction 2 Focus, Goals and Objective(s) 3 Strategic Intent 4 Innovation Strategy 5 Pioneering Human Resources (HR) Management in Banking 6 The Bitcoin Blockchain, Human/Civil Rights and Computer Crimes 7 Goldman Sachs’ Organization HR Management Analysis (MoneyGram and Ripple) 8 www.JUMO.World and Banking Africa 9 Earth_ID: Because Owning Your Identity is a Human Right 10 CryptoBank Environmental Analysis 11 The NEXO.io Conundrum 12 The Fireblocks Conundrum 13 Computer Software and the Blockchain Platform 14 Virtual Currency: Computer Software Protocols and Processes 15 Bank.org: Revolutionary Approaches to Agile Innovation 16 Conclusion 17 Bibliography 19 Introduction Crypto and Blockchain are each a Human Right. For all, everywhere. 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. What organizational HR management design structures are at play to architectect such fraud for bespoke juristical instances? 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). 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), which is our internal due diligence framework based on first class industry standards and best practices (xNY.io | Bank.org n.d.). 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): The theory of modern virtual currency cross-border regulation logic (Larson 2020a). 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? Whereas, it is essential to safeguard virtual currency and its potential to galvanize international, economic and social advancement of all peoples (United Nations 1948). 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)? 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). Our simple strategy rests in the fact that virtual currency has cross-border utilities (European Commission 2021). 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). 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). 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). 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) The International Criminal Court investigates and punishes people for genocide, crimes against humanity, and war crimes (Wikipedia 2021a). 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). 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). Strategic Intent Imagine trying to open the best bank in the world and running up against BitLicense regulatory arbitrage (Poster 2019) 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). 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). 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): 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). >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). 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). 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), 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). 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). 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). 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). 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). 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). 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). >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). 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) be allowed to further expand their racket via global regulatory arbitrage and/or computer crimes? 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). 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). 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). 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). 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). 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). In 2016, Ripple received New York’s First NY-DFS BitLicense for an Institutional Use Case of Digital Assets (Larsen 2016). 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). 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). Connecting the dots, MoneyGram is now one of the most expensive transfer providers (Tierney 2019) 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), 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), it may not be surprising to learn of www.Jumo.World or “JUMO” (Buchak et al. 2017). 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): 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). 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). 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). 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). 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). 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). 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). 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). 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). 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). NEXO is a great example for our best World Crypto Bank' but is funded by Goldman Sachs (Roony 2018), Which could be argued to be worse than Ripple. Goldman's blockage of crypto/blockchain development in the United States (U.S. Congress 2002) and Digital Identity in Africa (Plumer et al. 2020) 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): Moreover, NEXO is, at various levels, illegal in the United States where the federal government regulates most banks (NEXO 2019). For example, in New York, some of the NEXO token benefits are forbidden by NY-DFS (Sokolowski 2021) . Nexo doesn't have a Bitlicense, but they still operate in New York (u/zylstrar 2019). 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). Additionally, United States authorities could force NEXO to offer Federal Deposit Insurance Corporation (FDIC) insurance on its accounts (Buchak et al. 2017) . 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). 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) 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). 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). 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) 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). Fred Ehrsam, co-founder and managing partner at Paradigm (Ehrsam 2021), 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). 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). IBM distinguishes the blockchain platform technology as computer software (International Business Machines Corporation (IBM) 2021). 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). 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), the SEC has alluded that this kind of regulatory arbitrage fraud was concerning (U.S. Securities and Exchange Commission (SEC) n.d.). 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). 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) . 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). 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). 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): Conspiracy to Commit Fraud and Related Activity in Connection with Computers Conspiracy to Commit Wire Fraud Intentional Damage to a Protected Computer 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). 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. 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. 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. 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). 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). 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). In summary, the best strategies were found to have these surprising properties: Be nice – don‘t be the first to defect. Be provocable – return actions, both in retaliation and forgiveness. Don‘t envy – don‘t focus on beating the opponent, but on maximizing your own score. 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 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]. Association for Computing Machinery, 2020. On the Feasibility of Automating Stock Market Manipulation. ACSAC ’20: Annual Computer Security Applications Conference, p.962. 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