= The Future of Money = === Eswar S. Prasad, 2021 BVT lib 332.4 PRA === First edition, copyright 2021. Poorly indexed. Notes not tagged in the main text. Too many acronyms defined early, then reused hundreds of pages later without explanation. I will purchase the second edition if it is improved to "reference grade". This list is public domain, not copyrighted. Feel free to copy it. Feel free to share your amended version of this list on the internet, IF YOU DO '''''NOT''''' COPYRIGHT your mostly-cribbed list. That goes for Dr. Prasad and Harvard University; if you want to copyright a list, write it yourself. === Acronyms === || Aber || 272 || Saudi Arabia, United Arab Emirates digital currency project || || ACH || _46 || Automated Clearing House Network || || Alipay || _84 || [[ https://en.wikipedia.org/wiki/Alipay || Payment system ]] || || AML || 176 || Anti Money Laundering regulations || || Ant || _73 || Alibaba financial arm || || ATM || _61 || Automated Teller Machine, 1967? || || bancor || 302 || "bank gold", 1944 Keynes proposal for international bank money || || BIS || 277 || Bank for International Settlements || || Bitcoin IRA || 189 || California cryptocurrency retirement savings company || || BoC || 266 || Bank of Canada || || BoE || 266 || Bank of England || || BoJ || _10 || Bank of Japan || || BTT || 167 || !BitTorrent Token || || Cantor || 179 || Cantor Exchange || || Corda || 267 || ?????? || || CBB || 249 || Central Bank of the Bahamas || || CBDC || _ 4 || Central Bank Digital Currencies || || CDS || _42 || Credit Default Swap || || CFE || 179 || Cboe Futures Exchange || || CFT || 176 || Combat the financing of terrorist activities || || CFTC || 178 || Commodities Futures Trading Commission || || || _68 || Challenger banks || || CHAPS || _43 || Clearing House Automated Payment System, Bank of England || || CHIPS || _47 || Clearing House Interbank Payment System || || CIPS || 284 || China's Cross-border Interbank Payment System || || CTF || 178 || Combatting Terrorisim Financing || || CME || 179 || Chicago Mercantile Exchange || || DCEP || 250 || Digital Currency (for) Electronic Payment project, China || || !DeFi || 182 || Decentralized Finance || || Degenerator || 188 || phony project to create !DeFi project, created "Meme" || || depth || 298 || large quantity of financial assets denominated in a currency, easily acquired || || Diem || _10 || [[ https://en.wikipedia.org/wiki/Diem_(digital_currency) | A cryptocurrency ]], renamed from Libra || || dim sum bonds || 308 || renminbi-denominated bonds || || Dinero... || 246 || Ecuador 2014, Sistema de Dinero Electronico || || DLT || 107 || [[ https://en.wikipedia.org/wiki/Distributed_ledger | Distributed Ledger Technology ]] || || DOGE || 188 || Doge, Dogecoin, Musk-approved || || DvP || 267 || Delivery versus Payment settlements || || ECB || _14 || European Central Bank || || e-CNY || _13 || electronic Chinese yuan || || e-Krona || 254 || Sweden Riksbank November 2016 || || EME || _11 || Emerging Market Economy || || E-peso || 247 || Uruguay experiment 2017 || || Etherscan || 137 || [[ https://etherscan.io/ | Ethereum Blockchain Explorer]] || || ETO || 166 || Equity Token Offering || || FCA || 336 || UK Financial Conduct Authority || || FDIC || 227 || Federal Deposit Insurance Corporation || || Fed || _13 || United States Federal Reserve || || Fedwire || _47 || RTGS for 5500+ participants in the United States || || FICO || _75 || Fair Isaac Corporation, credit scoring || || FinCEN || 178 || US Treasury Financial Crimes Enforcement Unit || || Fintech || _ 6 || Financial technologies || || || _71 || Funding Circle || || G-3 || _14 || Group of 3 ( BoJ, ECB, Fed ) || || GDP || _13 || Gross Domestic Product || || GEM || 248 || Global E-Note Manager || || gpi || 283 || global payments innovation || || HTLC || 162 || hashed time locked contracts || || ICO || 162 || [[ https://en.wikipedia.org/wiki/Initial_coin_offering | Initial coin offering ]] || || IEO || 166 || [[ https://en.wikipedia.org/wiki/Initial_exchange_offering | Initial exchange offering ]] || || IMF || 263 || International Monetary Fund || || IMFS || 302 || International Monetary and Financial System || || INSTEX || 285 || Instrument in Support of Trade Exchanges, Germany France UK || || JUMO || _77 || business to business financial services platform || || Kickstarter || _72 || crowd funding || || Kiva || 289 || crowdfunding microloans to developing nation entrepreneurs || || Kontantupproret || 211 || Sweden's Cash Uprising || || KYC || 178 || Know Your Customer || || LEGOs || 185 || analogy - decentralized finance systems assembled from components || || || _70 || [[ https://en.wikipedia.org/wiki/LendingClub | Lending Club ]] || || || _72 || [[ https://en.wikipedia.org/wiki/LendingTree | Lending Tree ]] || || Libra || _09 || A cryptocurrency, renamed [[ https://en.wikipedia.org/wiki/Diem_(digital_currency) | Diem ]] || || Liink || 283 || [[ https://www.jpmorgan.com/onyx/liink | Interbank Information Network, blockchain JPMorgan Chase ]] || || liquidity || 299 || easy to trade an asset in large quantities || || LSM || 267 || Liquidity Saving Mechanism || || Lufax || _77 || Shanghai Lujiazui International Financial Asset Exchange || || Luno || 337 || rebranded !BitX cryptocurrency trading company || || LVTS || 324 || Bank of Canada [[ https://en.wikipedia.org/wiki/Large_Value_Transfer_System | Large Value Transfer System ]]|| || MAS || 266 || Monetary Authority of Singapore || || M0 || _28 || Currency (banknotes and coins) in circulation || || M1 || _28 || M0 plus demand deposits and checking deposits || || M2 || _28 || broad money: M1, small deposits, savings, travellers checks, retail money market mutual funds || || M3 || _31 || Sweden, India term || || MAS || 266 || Monetary Authority of Singapore || || M-PESA || _65 || Kenya Safaricom mobile phone money (Swahili "pesa" ) || || NFC || 253 || Near Field Communication || || NINJA || _43 || loans: No Income, No Job, No Assets || || NYDFS || 180 || New York State Department of Financial Services || || OECD || 277 || Organisation for Economic Co-operation and Development || || !OnDeck || 100 || [[ https://en.wikipedia.org/wiki/OnDeck_Capital || business lending ]] || || Oscar || _81 || [[ https://en.wikipedia.org/wiki/Oscar_Health | Health Insurance ]] || || P2P || _69 || Peer-to-peer (lending for example) || || Paytm || _88 || [[ https://en.wikipedia.org/wiki/Paytm | India Prepaid Mobile Phone Cards ]] || || PBC || _75 || People's Bank of China || || Petro || 259 || 2017 Venezuelan cryptocurrency || || Quadriga || 148 || [[ https://en.wikipedia.org/wiki/Quadriga_Fintech_Solutions | Quadriga Fintech Solutions ]] || || Quorum || 283 || A permissioned variant of the Ethereum blockchain || || Riksbank || 254 || Swedish Central Bank || || RIX || 256 || Swedish Riksbank settlement system || || RBI || 176 || Reserve Bank of India || || RMB || _76 || Renminbi (0.14 USD in 2022) || || RMG || 265 || Royal Mint Gold, cryptocurrency backed by gold holdings || || RTGS || _46 || Real-Time Gross Settlement system || || sandbox || 336 || financial innovation testing? || || S&P 500 || _37 || Standard & Poors stock market index || || SDR || 304 || [[ https://www.imf.org/en/About/Factsheets/Sheets/2016/08/01/14/51/Special-Drawing-Right-SDR | IMF Special Drawing Rights ]], composite digital pseudo-currency || || SEC || _70 || United States Securities and Exchange Commission || || SGX || 268 || Singapore Exchange || || SHC || 301 || Synthetic hegemonic currency || || SHTF || 234 || Shit Hitting the Fan || || SME || _75 || Small and Medium Sized Enterprise || || SOV || 263 || Marshall Islands digital currency || || SPFS || 284 || Russia's System for Transfer of Financial Messages || || STO || 162 || [[ https://en.wikipedia.org/wiki/Security_token_offering | Security token offering ]] || || SMS || _65 || Short Message Service for mobile phones || || Stripe || _88 || [[ https://en.wikipedia.org/wiki/Stripe,_Inc. | Online payment processor ]] || || SWIFT || _48 || Society for Worldwide Interbank Financial Telecommunication 1973 || || TARGET2 || _47 || Trans-European Automated Real-time Gross settlement Express Transfer System 2 || || Tether || || [[ https://en.wikipedia.org/wiki/Tether_(cryptocurrency) | Cryptocurrency ]] || || TOR || 146 || [[ https://en.wikipedia.org/wiki/Tor_(network) || The Onion Router network ]] || || Tramonex || 337 || test e-money platform for donations || || || 235 || Transactional Decoupling: instant gratification, delayed payment || || UPI || _87 || [[ https://en.wikipedia.org/wiki/Unified_Payments_Interface | Unified Payments Interface ]] (India) || || Upstart || _71 || lender || || VASP || 171 || Virtual Asset Service Provider || || || 286 || vehicle currency (in index) for trades between minor currencies || || Venmo || _83 || [[ https://en.wikipedia.org/wiki/Venmo | Peer-to-peer payment system ]] || || !WeChat || _84 || [[ https://en.wikipedia.org/wiki/WeChat | payment system ]] || || W-CBDC || 270 || wholesale Central Bank Digital Currencies || || Wealthfront || _95 || [[ https://en.wikipedia.org/wiki/Wealthfront | Wealthfront ]] automated portfolio manager || || Whale || 175 || >1800 Bitcoin whales with more than 1000 bitcoins each || || WhatsApp || 300 || [[ https://www.whatsapp.com/ | Mobile messaging platform ]] || || Wise || _91 || [[ https://en.wikipedia.org/wiki/Wise_(company) | Wise ]] aka !TransferWise remittance network || || WorldRemit || _92 || [[ https://en.wikipedia.org/wiki/WorldRemit | WorldRemit ]] money transfer system || || XRP || _90 || [[ https://en.wikipedia.org/wiki/Ripple_(payment_protocol)#XRP | Ripple digital payment processing system]]||