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Yes, that is correct.
The basic credit money instrument is a best a draft or a promissory note. It must be issued against value given to be 'credit money' else it is inflationary 'fiduciary media'.
  • Gold is problematic, though. Bitcoin has fewer attack vectors.
  • Paper is also problematic. An electronic / cryptographic format is advantageous.
100 sats \ 1 reply \ @Lux 5 Jan
So you are making digital negotiable instruments?
But you said Bitcoin is not money because it doesn't have a "credit layer", and now you agree a simple promissory note for Bitcoin is just that.
Isn't every Bitcoin custodian issuing digital Bitcoin negotiable instruments?
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The missing part is a "credit money" layer not just credit. Drafts issued against value given, not just a simple promissory notes. Negotiable credit is a very different thing to credit money. Why the interest?
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