Concepts for US CBDC

The technologic problem of the creation of the US CBDC is a false question.

The problem was the conception but now it is understable that:
For people the liberty to be able to shift the asset of the US dollars into the personalized asset of the US digital dollars, brings the opportunity to make digital savings containing in it substance all the set of money’s utilities : monetary part, financial part, spiritual part and taxmatic part. So the US Fed’s CBDC got people’s preference and the US digital dollar succed sucession of US dollar.

So the design proposed to FED requires W3C’ and Google’ wills. Both working for people welfare.

And this sentence resolve all the design because it clarify that the US CBDC has to take origin on people’s needs and wants. To satisfy persons. All persons, not some.

So the design proposed to FED requires W3C’ and Google wills for the creation of a web cash for economic upgrade introducing the practice of the money data-valuation.

At WUW The Webcash Universocial Web we are proposing to Google and the United States Administration through the Fed, the launch of the United States CBDC using a simple design that manages to merge time as a commodity in the US dollar turning it into digital saving.
Giving people the ability to exchange money into a personalized asset in the form of a cash-producing cell anchored at The Fed = would become the US Federal Reserve’s CBDC.

Then at T.O.M. The Time Owned Market all webcashmatic results are distributed every day at 12:00, under TIGTA inspection.

2. Could some or all of the potential benefits of a CBDC be better achieved in a different way?

2. Could some or all of the potential benefits of a CBDC be better achieved in a different way?

Filipe's answer :

The benefits that should be achieved with the launch of the US CBDC may be more important than those considered in your January 2022 paper and be specific to the Universocial US$$ of the FED, by introducing the notion of an automatic work on the data of the money to be created as 1 by 1 digital objects with unique characteristics and just shifting the asset from credit-debit balances to digital property asset registered at a sequencial historic general ledger.

The notion to be introduced and already tested is the processing of money in different parts of the body of the digital object.

Indeed...

Let us inject time into the money, fusioning both with the creators identity of digital savings objects. 

That shifting asset action (data-valuation) could let people go cash sharing the production of cash results (distributed every day), using Android app to personalize dynamic savings and to trade timestock in savings in production of interest generating capital gains by Fed's anchorized production fabric in universocial web space. 

It's the WUW's algorithm runned by GCP with agrement of W3C, US Admnistration and Fed as co-issuer-legitimator.

3. Could a CBDC affect financial inclusion? Would the net effect be positive or negative for inclusion?

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

3. Could a CBDC affect financial inclusion? Would the net effect be positive or negative for inclusion?

Filipe's answer :

Considering in the first place the possible launch of the US CBDC as a liability of the central bank and fearing multiple launches of similar CBDCs, I have the intuition of certain storms in the field of financial inclusion where the US dollar digital presupposed in your paper of January 2022, even if with unmistakable value support, it may lack the simple features that I see in the launch of USA FED's CBDC or Universocial US$$ giving it in a way linked to the value support:

- as cash production cell (1st monetary part processable as personal savings growing advantage ) +

- a counter @stamping of the time in production of the cell and its antiquity in the production of distributable wealth (2nd financial part processable as capital gain as the time go) Time Market Bid & Ask +

- a webtaxmatic cloud function as a release value of the webcashmatic income of the new taxable amount that the US Treasury thanks (3rd part processable as "freedom" gain) +

-a tagvaporator of the personal orientation option for the free exercise of the owner of the digital object UUS$$ regarding the eventual limit destination (democratic folks control of investments) of the monetary load allocated in the "Universocial Sovereign Anchor" which production is distributed every 24 hours (4th part processable as "multiplicative capacity" gain).

With a cbdc designed to give folks the advantages of all 4 parts of the money the effect of it financial inclusion has a net positive result by the extraction of wealth from virgin resources,

16. Should the amount of CBDC held by a single end-user be subject to quantity limits?

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

Public comments

Filipe's answer :

No limits in my construction of US CBDC the processable UUS$$ digital.

Everybody may shift the asset from currency or banks balances at Central Bank of United States of America into Universocial US Dollar Digital Object , becoming owner and go back at any time without any cost or risk of loss.

In fact "this everybody" is to be refered at all persons with identity registered at the WUW Ledger by filling form unique condition for using the money data-valuation ability in form of personalized BPaaS through the app PSH-Personal Savings Helper.  Being the PSH personalized ability for creation of  digital savings objects through Fed's gate operational requirement of legal tender authorization for the monetary burden (US$ 10.- /each 1 O.W. digital savings object) allocation with creation of 1 unit of UUS$$. This shifting asset operation is goes on and follow to be computed by Google's Technical Cloud Service operating simoultaineosly at Universocial_Sovereign_Anchor, at WUW The Webcash,at TIGTA-Inspection  and at T.O.M. The Time Owned Market.

Note & execution requirement of WUW's algorithm : The US Fed is invited for the kickoff creation of the Universocial_Sovereign_Anchor by allocation of a monetary financial magnet of 1 US$ trillion (US$ 1'000'000'000'000.-) on 100'000'000'000 Owndated Webquantums digital objects being UUS$$ 100'000'000'000.-:

1. Limitation is for Fed with agreed obligation of gradual unloading and recovering the used support in function of temporary magnet with decreasing force of attraction until neutralization ;

2. When US Fed recover all it kickoff support, The Fed and all admnistration also, get freedom for using data-valuation on the conditions offered to everybody.

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.

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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