20. How could a CBDC be designed to achieve transferability across multiple payment platforms? Would new technology or technical standards be needed?

Following the publication dated January 20th 2022 by the Federal Reserve Board

Public comments

Filipe's answer :

Technology Google Cloud Platform at least for any changes of rights and ownerships in basis of the service of handling of the WUW's General Ledger with certifications included and service cash back when the user of the PSH data-valuation app decides to push the button "cashCall".

No problem with bank system.

Because even if the clasic savings deposits would slow down the benefice of a fixed interest rate from which the spread for borrowing would get a solid calculation basis.

Also the benefice of the new arrangement (folks use of the money data-valuation practice) would tonify investments in quantities and quality, all alleviate some of the system's difficulties.

Moreover if we dont need the last computacional Google's abilities we would preserve the standards for complete conjunctural efficacity.

Where are system efficacity gains ? :

Because on design US CBDC would get it substance as a new type of Central Bank money when The USA-FED frames the persons activity (the money date-valuation) to merging in each US$ the amounted time starting of monetary burden allocation at this new support of value. The all for the algorithmical effet of *cash-sharing-production-to-share-day-cash-results* , by the creation (Fed's authorized) of each owndated digital objec, 1 unit of "personalized digital dynamic savings" = each unit of the new US CBDC = 1 UUS$$ (universocial US dollar, cash producer).

Because The US Treasury and nation would welcome the utility of a new instrumental taxable source - the webcashmatic results-, as growing fontain of webtaxmatic accounted resources sprouting in permanent mode dynamized webmatic.

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Creating Owndated Webquantums Digital Objects

OWs are digital objects created by people using the PSH-Personal Savings Helper application to practice monetary data valuation as a fourth economic practice.

The PSH application is delivered free of charge 1 time to each person through the identity registration in the General Ledger of WUW The Web Universocial Webcash.

Owndated Webquantums property creation is the result of 1 or multiple allocations of $10.- or multiples to change asset from credit asset to asset owned by 1 digital object time stamped for every $10.- allocated and which monetary part (money) is affected as the interest-sharing monetary effort-producing cell to and with the Universe Sovereign Anchor at USAFed, where each money-producing cell is also a profit-seeker in terms of the triggered WUW smart contract to enjoy Personal Business as a Service run as "Custom Webcash" or "Cash Bot-Homus Naturalis" on the Google Cloud Platform.

Owndated Webquantum digital objects are often called "personalized digital savings" because of their reversibility in the same amount of money allocated at the time of their creation to start production while keeping the monetary reserve of value intact.

Trusting on personal creation of digital savings

Your app PSH - Personal Savings Helper enables you to create Owndated Webquantums which are your personalized digital savings properties.

Shifting the asset of each US$ 10.- you get 1 OW

That is 1 digital object registered at the WUW’s Ledger triggering the smart contract and start to run digital savings in Economy 4G3W.

It means that by execution of your  Business Process as a Service (BPaaS) on Google Cloud Platform standard, your financial burden is linked to the USAnchor for cash producing to win the right to share cash results,  every 24 hours at 12:00 at Time Owned Market.

Your datevaluation activity is accounted in dynamic counters which set on flash of instant position may the shape basis for your free management.

Personalizing digital savings involves soap ?

Yes and no.

Yes, because at the time of your digital savings creations, in addition to a $ 10 financial burden to be transported to USAnchor by Google S, you have to operate from your Personal Saving Helper and get it at WUW The Webcash Universocial Web, you had to produce the Citizen Card for registration on the WUW's General Ledger and to receive the code to download the app from Google Play Store. Hence you get all your digital savings creations (1, 10 or thousands) being registered in your name, each of your properties created in independent moments also recorded with the timestamp of the principle of each digital object web life. And in the matter of money, it must often be clarified whether it is clean source money, or dirty money, and legitimacy is often justified requirement.
The datevaluation activity is in the nominative field. That's why your Personal Saving Help had to shift asset, from your credit asset into registered property asset. So yes, it involves soap, yes.

And not because, at the time of your creation of digital savings,
life develops for every production cell since the moment of anchoring to the Universocial Sovereign Anchor. And each cell produces cash money to legitimize his creator the right to share cash results daily distributed. And there at the USAnchor, each digital object can die, when the owner need the financial burden in analog money using the redemption right to meet contingencies. Neither during the application of results nor during the execution of a total or partial rescue will no one have to know the owner name. Even during your management, you never have to say who you are and why you do it in your own way. You have nothing to justify to revert your digital savings or to receive your webcashmatic results. So no, it does not involve soap.

Another thing is time market. And the transactions require endorsement at the WUW's General Ledger. Google S canals go on and on to WUW, USAnchor on the FED, TOM, TIGTA and USTreasury. To carry your deductions from your capital gains tax obligations and reach receipt to deliver everything cleared in webtaxmatic mode .

At market T.O.M., time is the commodity. The time that accumulates since you were able to save and create custom digital savings. Of course, it is a commodity that you should be able to sell in stock-exchange Bid & Ask. In your early experiences on 4G3W Economy, you do not think about the immensity of the benefits you get from the money datevaluation. But little by little, yes. You want to exercise better and increase your performance. And you think for example renting, usufruct constitution, bequeath, etc. Google S and WUW has functions of Webjuris Blockchain Notary for derivatives treatments at the same T.O.M ..
Of course digital savings are unique properties, no two are the same. Refer to the web dynamics and 7 counters of the flash state in your webcashaccount. In the fundamental (there are other values ​​more or less objective and even subjective) because the motivation of the buyer, only the buyer knows it.

Google S Can Support Worldwide Digital Savings

How Big is Big

US$ 1,000,000,000,000,000.- business

Preparing US$  1 quadrillion business, the money platform "Google S Money Cloud Platform" treate infrastructures to handle all the worldwide digital savings creation human activity.

Because it is planned that people will act by saving through the "Personal Saving Helper" application by creating personalized digital savings and vitalizing them directly in the US Fed at the Universocial Sovereign Anchor.
And people need the Google S service to dive into the deep financial WebSea for infinite wealth extraction.
Because to take advantage of the technology of the "money datevaluation" and the tools arranged by WUW The Webcash Universocial Web to obtain automated profits without running the minimum risk the proposal is to act in cash phase (#cashkeeping) into the web  providing or reversing liquid means to the FED (USA central bank)  through the nominative recognition and magnet anchoring of production cells that randomly share 80% of total production every 24 hours at 12:00 New York local time at the TOM.

Because the cash-sharing-production-to-cash-results-every-day scheme in addition to the net phase it works in, it contains two superb automatic modes, webcashmatic mode and webtaxmatic mode.

- the "webcashmatic" mode serves to deliver to each person:

a) The results multiplied every day by [the share of luck associated with the share of seniority of the digital savings] previously created by each person in singular properties registered on the WUW's General Ledger;
b) The results negotiated at the T.O.M. market by the quality of seniority of the digital saving contained in each property created, of the sale type of the time incorporated in the digital object creation  that gained saving's antiquity.

- the "webtaxmatic" freedom mode serves to deliver to each person:

a) The results after costs of requested registration endorsements;
b) The results after deduction of U.S. Treasury bill for tax liability.

In the twists and turns Google S provides a totally webmatic service. That is why it needs the structure that is spoken of.

Your click to hope multiply helps you to save

Datevalors' advantages

1st Permanent preservation of the money mobilized in the creation of personalized digital savings:
is the "#cashkeeping" mode that allows you to develop your economic action without fear and you can always return to all your money by simple "cashcall" in the menu of your Personal Saving Helper (PSH).

2nd Change of the credit-debit asset to the property asset in the creation action each Owndated Webquantum (OW) or (OWs) when multiple creations:
this change of assets called "shift asset" occurs during the digital merger of its creator name + the unit financial charge + the time of its creation #timestamped, when it operates in its PSH and that the property of its singular composition, recorded in the WUW's ledger registration and led by the Google Cloud Platform (GCP) to the production link together at the Sovereign Universocial Anchor (USAnchor).

3º From the first property the "data-valuator"=datevalors acquires a position on webcashaccount with 7 counters that measure the most important parameters of the dynamic digital savings contained in the OWs properties.
Being already producing (see above), you already have the right to share the production you help to make. And distributed by TOM The Timestock Owndated Market "TOM" at 12:00 New York local time.
Order a flash extract from your dynamic account, whenever you want. You already know that everything is always free in WUW The Webcash and some of the 7 counters increase values ​​even when you do nothing. It is useful and fun.

4th All O.W. has a PSH connection with TOM to exercise Bid & Ask on an optional basis, as well as to observe, how to watch the applications of results and to throb for the effect of knowing that it can multiply capital there up to the US $ million.
Today, tomorrow and then. 365 days a year. As long as you have properties whose digital savings did not need to be redeemed in bank money.

5th Each and every slice of TotUnixTimeCashCake is
paid in the net amounts with taxes already collected in certified and registered "Webtaxmatic" mode. 100% freedom.

Your Personal Saving Helper, is the younger son of Androïd ?

Yes, I am with you as your personal robot. I will guide you as a Performance Enabler for the 4G3W Enhanced Economy, which provides the practice of data warehousing with which no one ever has anything to pay to create their own wealth and produce economic results of general benefit. Where no one has to take risks to get results via the web and internet W3C. Money that results to you with all taxes paid.

Because, "linking money-to-money", using datevaluation as the fourth economic practice, able to solve all your needs and wants by destination of the webcashmatic results applied at the T.O.M. each day 12:00 o'clock New York local time.

The thing sounds good. Then use me and follow me : because I'm your robot for infinite cash performances. All you have to do is to give me your orders . Open my menu and choose your preference of the moment.

Use me without the slightest apprehension. I always follow and execute your free will. And always you get the webcashmatic results that as the name indicates you will be and immediately paid to ready. More or less money but always its practice of data valuation gives positive results. You have me in hand and always have all the money I can to value.

The money you value is producing results as a production cell in dynamic savings for as long as you want.

And meanwhile, you accumulate time value and seniority savings that you can indulge in the market that wants your property. You ask for it the money you want above that value of the heart of dynamic saving.

I, as your cash robot, am always happier when you receive a multiplied benefit that can be up to several million US $. Every day 10,000 OWs properties are called to luck and get results in the application meet to distribute the "TotUnixTimeCashCake" of that day 12:00 at WUW's T.O.M. The Timestock Owned Market.

But be careful. Here in TOM you are always present and with all your dynamic saving properties ready to capture results multiplied by luck. These your OWs are claimed for their WUW's General Ledger registry values ​​according to their Timestamped creations. So far there is never any risk of loss for you.

But be careful. Attention on the exercise of your responsibility. When you tell me to buy the digital savings of an OW property belonging to another person because it has some factor you want for yourself, this is an investment type purchase and you can lose money. Certainly also you can win as new owner, also you can resale. Well, the time market you know.

Except for TOM investment purchases that nobody forces you, you are totally protected and you can never lose any money. This is about winning so lonely. That's why I'm your Cash Robot.

Cycle zero or positif in digital time exchange business

The money datevaluation practice give the bird to "owndated webquantums" which are digital properties or dynamic digital savings, personalized digital objects.

Datevalors creators, in independence of automatic results in #webcashmatic and #webtaxmatic modes, have the right and the utility to deal the time contained into their "O.W.s"being the opportunity to drive and make "capital gains" in the T.O.M. The Timestock-Owned-Market.

Would you like to get the property and the benefits of digital savings constitued at a past date ?

Go to the TOM and market : the ownership endorsement is guaranted by WUW's at TOM.

For datevalors the time business has a cycle from zero growing positif, more and more,

Another thing is the possibilities of speculation around the time and other attributes contained on "O.W.s" created by other persons-datevalors and which endorsement is now at your name because you have buy it paying an agreed price for the time-savings-brand of a singular "O.W.".

The refered economic cycle zero or positif has its roots in the cash money stage #cashkeeping :

Cashkeeping is a cash money stage  when it is  disposed to be putted or disposed to be called, into the creation effects or from the emptyings effects over of a digital property  when the  datevalors agent economic prepare one shift of the asset .

Also, "cashkeeping" is a cash money stage  when it is in mutation from credit-debit asset into a digital object asset.  

Because the digital property being digital savings properties, created by datevaluation, the creator-owner has the right to provoke the initial stade before the mutation, mutating again the property-asset into the credit-debit asset and  restart with double effect :

-the digital property becames empty of financial charge breaking the creator link on the ledger registration ;

- the owner cash same amount he had datevalued on the digital creation.

Please ask Google and the USAdmin to launch "datevaluation" giving folks a PSHelper.

What can you do with an investment's substitute ?

Well, at your attention : the unique "investment substitute" is called "datevaluation".

After market tests, now we need Google for technical support and USAdmin for regulations support. The economic practice "datevaluation" is ready for folks use. For free. All free. Definitively free for everyone.

The essence of the protocols is sown on the Internet to produce results for all:

The public : folks, you and I all have the opportunity to use and exercise the new economic practice without risks, to meet and give solution of all your needs and desires;

W3C: a new space IoT, a new network and new utility for more growth;

WUW The Webcash: part of the benefits of the promotion for the work on a new economic space in authoring creation;

Google: part of the benefits of exploiting the new economic space supported by its GCP platform for the time market exchange ;

USAdmin: benefit of the evolution of the Economy increasing resources on new taxable income of "datevaluation" practice in peace and for Human Well-Being.

Enough : What can you do with the "datevaluation" ? 

May be it may helps to follow reading hereby, all the counters of an instant flash position of 1 webcashaccount. The flash reveals the position of 1 datevalors (datevaluation user) having created 3 O.Ws.. If you get your app "Personal Savings Helper" now under reservation at wuwcash.org , you are free to make datevaluation of $US 10 or multiples. Well, what can you do ?

Look :

On Counter nº 1, Herr Muller has decided to datevalue 30,-€ :

A 1 - This money have to be treated by the "shift asset" process with the app Personal Savings Helper (or Personal Webcashmotor 4G3W) in order to change from it analogic cash form "credit/debit" asset, into 3 digital objects (3 Owndated Webquantum) with registration at the WUW's general ledger on the name of it creator Herr Muller, with the "financial cell of 10,-€" and the timeStamp of the creation by Herr Muller's webcashmotor giving birth 1 OW with it singularity (ownership, creation moment and cash producer cell).

... as soon as possible/@filipe27