Independent research untangling complex, widely misunderstood topics.

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Banking and Money
Inflation vs. Debasement of Money

Inflation stems from of a broad supply & demand mismatch. Debasement comes from excessive financial and real money creation.

Banking and Money
Financial and Interbank Money

Banks pay each other using bank reserves and HQLAs - forms of money for the financial system.

Banking and Money
The origin of real economy money

Real economy money is created through credit by the government and commercial banks, and the central banks have little to do with it.

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