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RE: Arise Bank raided by SEC, Interview with J Rice Snr confirms.
All I can say is WOW!
Thank you for sharing. I wasn't thinking about decentralized banking. Now, all can think is that is a perfect application for a decentralized blockchain.
Bitshares -a decentralized exchange- has many of these capabilities. It has the ability to decentralized accounts and send US dollar denominated assets to other account. While mainly and exchange, it can do payments as well.