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Technical Analysis of the Banking Systems?

BuckGup
By BuckGup
in Programming
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Hello, I was wondering if there is a guide or maybe video series that explains the lowest layers of electronic banking? Now days there are white label services that allow you to become your own bank and even issue loans and debit cards. Basically all of it is handled with APIs from the banks or services that are banking partners. I would like to know where exactly the money goes and who it is from originally. Because with my current understanding you can simply generate money as you please as there is no way any human or computer could audit the entirety of something like VISA, Mastercard, or the Duetsche banks ledger. Thanks

 

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Just keeping this here as a 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Well, I mean.... you're absolutely correct that banks do in fact... generate money when they lend. https://www.forbes.com/sites/francescoppola/2017/10/31/how-bank-lending-really-creates-money-and-why-the-magic-money-tree-is-not-cost-free/?sh=1d07a67f3073

"Although there's a problem on the horizon; there's no horizon." - K-2SO

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2 hours ago, dj_ripcord said:

Well, I mean.... you're absolutely correct that banks do in fact... generate money when they lend. https://www.forbes.com/sites/francescoppola/2017/10/31/how-bank-lending-really-creates-money-and-why-the-magic-money-tree-is-not-cost-free/?sh=1d07a67f3073

That article is absolutely atrocious and provides no technical information. Its exactly the article a bank would write  

▓ƆԀ▓ S▓₱▓Ɇ▓c▓s▓: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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On 6/22/2022 at 4:24 PM, BuckGup said:

That article is absolutely atrocious and provides no technical information. Its exactly the article a bank would write  

The simple version goes like this. Person A deposits $100 into bank X. total money supply is $100. That bank then keeps $10 of that deposit(reserve ratio) and lend out $90 of that to person B. Now imagine that same person goes to bank Y and deposit that $90 he borrow and that Bank Y loans out $80 and keeps reamaining $10 as deposit. On paper, bank x has $100 in deposit and bank Y has $90 in deposit so total money supply becomes $190 when in reality there is only $100. where does the extra 90 come from? well, the bank just created them out of thin air pretty much. This is essentially what fractional reserve banking does. 

 

A lot of this is digitatilzed nowadays. Bank just clicks on some gui on their computers and boom, xyz amount credited into your bank account even though banks does not actually have any of those money on hand on any time. 
 

now imagine if everyone demands to withdraw their money at once? This is known as bank run and believe me, no modern banks will be able to honor such withdrawals. They don’t have majority of those money, a lot of it doesn’t even exist to be honest. 
 

what does exist is debt. In this debt based economy, debt is treated the same as money. These are essentially IOUs money. What’s more, these IOUs can be securitized and traded. Ever heard of mortgage backed securities? They are essentially IOUs that are created when people take out a mortgage. Big banks buy them from smaller banks and sell them to investors. 
 

 

Sudo make me a sandwich 

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Posted
On 6/22/2022 at 8:50 PM, BuckGup said:

Now days there are white label services that allow you to become your own bank and even issue loans and debit cards.

I would assume that there are regulations in place in most jurisdictions. And even if your bank complies with regulations it doesn't mean that well established banks will trust your makeshift one, rendering it completely useless.

 

On 6/22/2022 at 10:24 PM, BuckGup said:

That article is absolutely atrocious and provides no technical information. Its exactly the article a bank would write

Yeah, there is a lot of lobbing and half information everywhere. Even in academia.

ಠ_ಠ

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that should answer to your question:

 

if you want to go deeper, 

I think you should try to open an online banking account to see the requirements and than youll get most of your answers 

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7 hours ago, Amenefus said:

that should answer to your question:

 

if you want to go deeper, 

I think you should try to open an online banking account to see the requirements and than youll get most of your answers 

That's what I did but it's very one sided. I would need to write my own banking software to white label and get approved from VISA or Mastercard. As the owner of the white labeled software vets each of the clients that want to use their software to mitigate fraud. I believe it's actually a legal requirement for financial institutions to show they are not facilitating fraud. A while ago people were buying bitcoin ATMs and didn't implement ID checks and since they didn't display any anti-fraud methods they were promptly arrested for allegedly "laundering" millions of dollars into bitcoin. 

▓ƆԀ▓ S▓₱▓Ɇ▓c▓s▓: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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  • 2 weeks later...
Posted

So you wanna create your own bank? To create money out of thin air? 

 

If so I guess you need customers to borrow money.

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