Makoto somehow said in one of the interviews that invites in the crypto platform NEM banks. Having understood assets I constructed the mechanism of integration of any bank into the crypto platform NEM. For integration of any bank it is required to create an asset, to enter the initial total amount included in an asset further to establish either a positive or negative interest rate for deposits. The rate has to be regulated by means of a vote by shareholders of an asset. These shareholders are necessary not with is simple, at negative interest rates proceeding from a share of the had shares of an asset each owner of an asset will be able to receive the returnable commissions. I.e. at positive interest rates the asset has to draw percent by charge of percent on each separate deposit (asset), and at negative interest rates to anybody that it isn't paid in the form of percent on deposits any more and on the contrary the system starts extending as the vacuum cleaner from deposits of means (assets) at a size of a negative interest rate.

Thus by means of an adjustable interest rate from + (positive) to - (negative) we will create the ideal tool for an intergation in the crypto platform NEM of already operating banks. On the basis of namespaces and mosaics it will be very convenient to them to be integrated into the NEM environment. Assets it is offered to enter approximately such : USD, EUR, RUB, GBP, JPY, CNY, AUD, CHF, and so on. On CHF there will be negative interest rates. On deposits it won't be favorable to store at a rate in - 0.75% (negative) therefore it will be favorable to take the credits in CHF interest-free, but thus thawing in a year for 0.75%. Further perhaps the bank of Switzerland will increase a negative interest rate to - 4% and to owners of a returnable asset of CHF on the had stocks will already go in the form of returns more. I.e. at positive interest rates the system such as in the Russian Federation at 11% per annum pays on deposits to users, and at negative already is paid nothing (excessive money supply of an asset by means of a positive interest rate isn't generated), and even on the contrary those people who have CHF an asset, are obliged to pay automatically in a year of 0.75% in favor of bank. Such money is ideally suited for the credits. So there will be both deposit accounts, and accounts with an negative interest rate an which it is best of all not to store and to take them in the form of the interest-free credits on established by bank term, or for an indefinite term as on 0.75% a year will come back all the same automatically in equal shares to owners of credit assets of CHF, who gave out to those people. Here most likely the bank will have 51%, the rest will be offered for sale for investors and speculators to own a share on stocks of a credit asset.

It turns out for NEM banks can create all ideal conditions both in respect of deposits and in respect of the credits. Plus to it to everything to allocate banks with a big set of useful functions for maintaining in the block chain tech NEM of the banking by means of assets with the changing interest rate both in positive and in a negative side.

Generally we wait for banks which the first will be integrated into a block chain tech NEM. In the beginning it will be most likely small as in small banks always first of all there are all new innovations, at the expense of it they also stay afloat. And when the bank small to it is much simpler to carry out cardinal changes. Well and in the presence of necessary means we nemsters can create The National Bank NEM on the basis of the crypto platform NEM. All necessary tools are available for us for this purpose, the main thing will develop the sphere of exchange offices of partners who worldwide to change our fiat assets as analog of Perfect Money which works completely with exchange offices partners. The payment order practically has no deposits and withdrawals. It and to the best, thus on the partner relations with exchange offices and private moneychangers is built more protected business and the payment order of Perfect Money than here doesn't risk. The main thing is safety of accounts. Here I suggest to create analog Perfect Money. There will be our National Bank NEM with fiat currencies which will decide to add to ourselves inside. It will be the first-ever decentralized fiat bank. We will regulate interest rates for deposits at votes of shareholders by method of collective vote for an interest rate.

Original on Russian here : https://bitcointalk.org/index.php?topic=455591.msg12023853#msg12023853