Many units of government see a need for more inclusive money, payment, and retail banking systems for the generation, accumulation, and free transfer of spendable value among their constituents. Currently proliferating payments platforms, most provided by for-profit private-sector entities,...

Many units of government see a need for more inclusive money, payment, and retail banking systems for the generation, accumulation, and free transfer of spendable value among their constituents. This document sketches a smart-device-accessible peer-to-peer (‘P2P') savings and payments platform...

I propose here a critical amendment to Treasury Secretary Paulson's proposed "bailout" plan for troubled financial institutions. If we channel the plan through FHA and its recently re-federalized GSE siblings, I argue, we shall neatly avoid all objections currently raised to the plan - those...