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SetrakDark
Caldari
DarkCorp Technology and Finance
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Posted - 2009.11.18 17:54:00 -
[1]
Check out Eve Central Reserve
They have a proposed structure similar to this
You're right in the general idea, but the devil is in the details
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SetrakDark
Caldari
DarkCorp Technology and Finance
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Posted - 2009.11.19 18:47:00 -
[2]
 Originally by: destinationunreachable
a) With the assets in BPOs I can't see a bank making any profit/interest for me.
The idea is that the bank founders already have a huge value in productive BPOs. They then lock these down jointly so no 1 person can do a runner. These locked down BPOs are then the security for depositors.
However, the fundamental idea of borrowing money to lend at a higher rate still seems flawed in Eve.
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SetrakDark
Caldari
DarkCorp Technology and Finance
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Posted - 2009.11.19 23:54:00 -
[3]
Originally by: Mme Pinkerton
How many banks do you expect to see in EVE?
consider brand recognition, necessity of trusted personnel, externally audited software & procedures, setup of internal controlling, necessary effects of scale (esp. when unsecured/partially secured loans are involved), ...
Now, please tell me how an insurance with one to three customers (my estimate) does make sense.
Agreed.
Any bank would already have to be founded by a trusted group anyway. Adding another layer of complexity actually makes the whole enterprise less secure and less stable.
The security is actually the easy part anyway. First figure out how a bank can consistently make a profit that's actually worth the effort of running it.
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SetrakDark
Caldari
DarkCorp Technology and Finance
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Posted - 2009.11.20 00:13:00 -
[4]
Originally by: Liberty Eternal
Edited by: Liberty Eternal on 20/11/2009 00:08:48
Originally by: SetrakDark
The security is actually the easy part anyway.
As Ebanks many happy customers will testify.
A secure model has not been found. The major source of losses has been lack of security. Every bank in existence lacks security and invites scamming.
There is no alternative but to build a bank on secure transactions. There is only one thing that can be used securely - BPOs.
If you want a secure bank, it is BPOs or nothing. It's that simple.
I was referring to the extra institution, not the locking of BPOs.
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