The saving account is going to be a crypto backed stable coin (maybe backed by the checking account coin?)... you don't want to have the stability of the coin based on USD or EUR, it should be a universal currency.
There are a lot of questions I wanted to ask and some points that I disagree. But for now, just wanted to get some clarifications. On your message above, what does it mean by "universal currency"? Which one it is? What is the mechanism to keep it "stable"?