19. Should a CBDC be designed to maximize ease of use and acceptance at the point of sale? If so, how?

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

Public comments

Filipe's answer :

The app PSH to run the practice of the money data-valuation with finalization of the Personal Business as a Service for the creation of personalized digital savings in web dynamics using authorize spaces of USA FED for issuance of UUS$$ digital objects dollars is offered for free by WUW in agreement with Google and USA FED.

Requirements : Inscription of Identity at the WUW's General Ledger and wil to shift from the two kinds of the US Central Bank money in the third form which is a set of digital objects with legal tender.

The US CBDC is designed maximizing ease of use (app at do-g-phone) and acceptance (dynamic savings with 4 both utilities : monetary, financial, freedom, taxmatic) at the point of inscription for data-valuation ability. So in the proposed design (see hereby schematic design doc.) we would have:

1. Registration of the identity, in the WUW's Ledger;

2. Delivery of the code for downloading the Android app P.S.H.-Personal Savings Helper with algorithm for the money data-valuation ;

3. Every time the user wants to create 1 UUS$$ for his P.S.H. requests 1 authorization code for the occupation of 1 space in Universocial Sovereign Anchor workforce production device and source of US CBDCs currency (entry control to the production of the assigned monetary load and simultaneously saved in digital property);

4. After the authorization of the FED (as 3.) the WUW registers the

singular property (1 name of creator - PSH & codes , 1 @timestamp, 1 O.W.-owndated webquantum= US$ 10,-) and a OW=digital savings starts production and BID presence at the Time Owned Market intending cash results every 24 hours at 12:00 and it is disposed for ASK getting capital gain ;

5. By TIGTA inspection the "webtaxmatic" function is conduct and achieved at the moment of every "webcashmatic result" payment by the service of Google Cloud Platform paid by agreement with WUW The Webcash Universocial Web insuring 100% free costs for the person data- valuator.

Transactions would be registered by titularity endorsement at WUW with origin at T.O.M.-The Time Owned Market.

The digital currencies of the determining Central Banks are designed with a hook

The ECB's digital euro is a CBDC designed with a hook.

Because the ECB must be able to maintain negative interest rates in order to be able to absorb the liquid currency issued and running on the markets and in people's hands.

And although the launch of CBDC digital currencies from the decisive Central Banks is a step forward in terms of the solution of the general payment system, the solution can be entangled with a currency-reducing device, during the transition from liquid to digital.

And in the ECB's CBDC project, the reducer is a Venturi tube for the purpose of being able to play with pressure differentials and debugging by imposing negative interest rates to remove the excesses of liquid and book-currency issues from the market.

The financial engineering prepared in the initial ingredients of digital €uro contains variable commands and has merit on the condition that the ECB could safeguard families and savers.

The bad thing is that the financial engineering commissioned by the ECB should be hurried and could be rustic for retail customers or even without safeguarding them, because (the good intention is granted) the first fishery must be that of the bigger fish and to work you have to let him eat the fish

kid.

It will be a matter of checking the exercise of Central Banks in the management of their CBDC farms.

However, the ECB's CBDC design, the already famous digital € uro, contains a Venturi hook adapted unfairly.

What can be understood as a spoiled solution.

In the 4G3W Internet Economy, people create digital savings from the same material (money) that is required for converting to digital currency. But that alone (money) is not enough to create and own digital savings.

In the 4G3W Economy of the Internet, datavaluation is used, the substitute for investment and for that it is necessary to inject time into money and create digital objects known as "Owndated Webquantums", which are digital savings under the property registered at WUW's General Ledger, conducted in webmatic regime by the GCP and regulated by the USA Administration. And with tax-free daily results because webtaxmatic made by Google-USA first.

Take your "Personal-Savings-Helper". It's free. It runs on free mode your BPaaS to make digital savings with cash results every day at 12:00 New York local time under GoogleCloudPlatform and TIGTA's inspection from US Treasury.

WUW The Webcash Universocial Web : one projected web for the personal creation of digital-savings

It is in public proposal.

Reserves to become an user (datevalors quality) requires :

- Identity inscription form at the WUW's General Ledger ;

- Acceptation of the smart contract for datevaluation as a BPaaS ;

- Downloading app PSH Personal Savings Helper at Google Play ;

- Trigger on the smart contract by datevaluation actions, on freedom.

All the process is free forever. No fees, no running costs.

The ownership of digital savings objects allows an upgrade of personal economic performances because each creation originates the formation of cash results further than a reversible reserve of cash as savings.

This is the finality of the smart contract achieving the steps for you to share cash production getting the regulated right to reverse, or to stay on production to share random multiplied results on cash, applied each 24 hours.

The cash production is insured by the connection of capital burdens at the Universocial Sovereign Anchor (USAnchor) in draft protocol with FED into ^potential agreement between [USAdministration/Google Alphabet/WUW Authoring].

The execution of the smart contract regulations for daily fixation of random results runs at T.O.M. The Timestock Owned Market using Google Cloud Platform .

The audits, investigations, and inspections are provided by Treasury Inspector General for Tax Administration (TIGTA) to insure and perfect the basis for WUW's delivery all results on modes webcashmatic and webtaxmatic for individual wellbeing.

Can the investment substitute automate the creation of added value ?

Yes, it is its foundation and its end. Yes "datevaluation" it calls.

How can I take advantage of the investment substitute ?
It would be, how can I make "datevaluation acts" as you call ?

Creating digital savings.

How?

Register as a "datevalors" at WUW The Webcash Universocial Web. From there you receive your "Personal Savings Helper" and the smart contract that allows you to create unique digital properties by adding the creator's name, the date of the creation of each registered property and a constant financial burden equal to US $ 10.- / each Owndated Webquantum.

The WUW smart contract with you is free and you never have to pay to obtain results that are always in the liquid phase and with self-liquidated taxes.
The nature and substance of your smart contract play a set of factors for creating added value from the start with the launch of your digital savings creations on the W3C Internet.

You just have to create digital savings using whenever you want your PSH application. You create  digital objects. Financial digital properties that are singular each of them.  They are recorded with the born timestamp and are accounted for automatic implementation with web dynamics counters in your favor.. You see the dynamic development of the value of your objects through a "flash" of your "webcashaccount". In your PSH menu you give orders and ask for what you want, when you want and always free of charge.

And how do you get value and money from the "investment substitute" thing?

WUW conducts the smart contract making it possible for a simple and singular fulfilment that looks fabulous in cash results. Yes, as hereby :

01. Everything takes place in liquid analogic / digital / analogic phase;
02. The financial burden changes reversibly from credit assets to property assets, ensuring the absence of risk: shift analogic cash / digital shift cash;
03. All operations are recorded at WUW's General Ledger;
04. Since acquiring its quality as a "datevalors" by simply registering its identity in G.Ledger, WUW continues to execute its smart contract and asks Google Play to provide the download of its Personal Savings Helper (its PSH is unique and works on all your Androïd devices);
05. Since the download of your PSH application on Google Play, WUW's General Ledger will register all your creative activity and request the Google Cloud Platform (Google $ S $) to continue the intelligent execution.
06. Each financial load arranged in the creation of each of your digital objects (Owndated Webquantums) is conducted and anchored by Google $ S $ at Universocial Sovereign Anchor, in other words, the cash-sharing-production for cash-sharing-results production apparatus "located in the FED producing 2% / 365 x US $ 10.- to share the general production every 24 hours, under the terms of the smart contract.
07. The production organized in automatic and directly proportional to the time and to the capital that gives rise to it, is distributed at 12:00 every day and applied to 10'000 digital properties with lucky rules that allow the concentration in a multiplicative capacity and with rules of antiquity of the digital properties that allow the market transaction of the time value contained in personalized savings (allowing capital gains to everybody).
The production is served by the FED for distribution in the T.O.M. (The Time Owndated Market) and inspection by TIGTA which retains fees by liberalizing results in "webtaxmatic" mode.

Essentially, it is understood that you can automate the creation of added value by simply creating digital savings using services with free development starting with WUW identity registration, downloading the PSH application on Google Play, dynamic management of records and protocols, execution programs and values ​​of the Google Cloud Platform (Google $ S $), organized production and defense of hedges at the FED, inspection by TIGTA and US Treasury, distribution of webtaxmatic and webcashmatic results in TOM The Time Owned Market where you are free to deal time-on-savings seniority making capital gains.

Who can adapt to create Google S $ S

Yes, who can be the co-creators engineers working along the lines of Google and with the means provided by Google Cloud Platform with costs paid by WUW The Webcash Universocial Web.

Is it a challenge from the author of the 4G3W Economy?

Yes.

And what is there to do?

2 applications to value the money.

A- "Personal Webcashmotor Simulator" to simulate and understand the usefulness of the investment substitute;
B- "Personal Savings Helper" to start and continue the free practice of money valuation.

And what else is there to do?

To assign and make compatible the "webcashmatic" mode of results and the "webtaxmatic" mode of personal liberation from taxation, the whole maintaining the net phase of the digital savings of its creators.

And is there more to sharing copyrights?

Yes, the most profitable for Google S $ S Creative Engineers is the development of software for the time market. Yes, selling time in a Savings Market is all the more useful the older you are.

Are there older and younger savings?

Yes in Economy 4G3W. For the dynamic savings in it, thanks to personalized creations of unique digital objects and with intelligent reward with counting and attributing value to antiquity.

Something more for Engineers challenged to collaborate?

Yes and no.

Yes, because it is necessary to create the link mechanisms between [WUW The Webcash Universocial Web, the W3C consortium, Google-Google S $ S,
the US Admnistraçao-FED and the T.O.M. The Time Owned Market] the whole subject to permanent control of the results "webcashmatic" and the automatic tax release of TIGTA for "webtaxmatic" freedom.
Not because it is contained in creations in good faith to serve humanity.

Win shared copyrights

Google as the lone architect for world's 4G3W digital financial structure

Consumption 1st leaf, Savings 2d leaf, Investment 3th leaf and Datevaluation 4th leaf
wuwcash.org the four practices on Economy 4G3W

Into Economy 4G3W folks are provided with a Personal Savings Helper or Personal Webcashmotor which is an App downloadable at Google Play Store filling the code delivered by WUW The Webcash Universocial Web.  All for free and forever.

Because the App runs to insure folks of a correct and useful method for datevaluation practice.

Datevaluation consists on the creation of digital savings, which are digital objects containing the timestamp of the creation, the name of the creator with the code of his webcashmotor and a financial charge of US$ 10,- each/1. Digital savings are 1 or more of these digital objects called Owndated Webquantums (OWs).

OWs are registered on the WUW's ledger and accounted in each Webcashaccount which are dynamic accounts producing a "flash position" each time the datevalors ownership ask it through the menu of his PSH. After registration and singularized by the creator's name, the financial burden  of US$ 10,-, the timestamp of creation and the wuw's ledger register sequential number, is ready as Singular Digital Object to be introduced on The Timestock Owndated Market for exchange quotes.

Each Owndated Webquantum go to the Google Cloud Platform to follow it production desteny linked at the Universocial Sovereign Anchor (USAnchor) at FED connected to US Treasury and Tigta.