Damus
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Bitcredit
1. Yes, but modified to comply with Austrian Economics principles.

2. The wholesale e-bills sit on Nostr, the retail currency format is a novel form of non-custodial e-cash.

3. Yes, but not "discount". Mint. We will explain more upon mainchain launch.

4. Not free banking in Selgin's sense. In Bitcoin/Bitcredit we want banks strictly only as intermediaries of 100% money, not as fractional-reserve issuers.