xNY.io CRYPTOBANK (Whitepaper)

[Gunnar Larson]

They are calling it like Bitcoin.

On Mon, Jul 24, 2023, 7:57 AM Gunnar Larson <g at xny.io> wrote:

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> https://docs.google.com/document/d/1aeK8X8-2KDZ8tQPN5ksaUCXcxH9tbjexsUbW1olfeW4/edit?usp=drivesdk
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> xNY.io
> CRYPTOBANK
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> Table of Contents
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> Introduction 2 <https://docs.google.com/document#heading=h.qw9a2wl4q92s>
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> Focus, Goals and Objective(s) 3
> <https://docs.google.com/document#heading=h.c0rh86mvw9ua>
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> Strategic Intent 4
> <https://docs.google.com/document#heading=h.kuxwgdwni6p4>
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> Innovation Strategy 5
> <https://docs.google.com/document#heading=h.7ueepdr7oduo>
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> Pioneering Human Resources (HR) Management in Banking 6
> <https://docs.google.com/document#heading=h.c2qklq4en1vv>
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> The Bitcoin Blockchain, Human/Civil Rights and Computer Crimes 7
> <https://docs.google.com/document#heading=h.e9qgh4ilxr33>
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> Goldman Sachs’ Organization HR Management Analysis (MoneyGram and Ripple)
> 8 <https://docs.google.com/document#heading=h.6rxby3kdxyer>
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> www.JUMO.World and Banking Africa 9
> <https://docs.google.com/document#heading=h.i05ave1q4rbi>
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> Earth_ID: Because Owning Your Identity is a Human Right 10
> <https://docs.google.com/document#heading=h.fsblwc7lwh45>
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> CryptoBank Environmental Analysis 11
> <https://docs.google.com/document#heading=h.hilka03j6nc>
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> The NEXO.io Conundrum 12
> <https://docs.google.com/document#heading=h.q9hwlwczdyhq>
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> The Fireblocks Conundrum 13
> <https://docs.google.com/document#heading=h.tkx9xi4801g>
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> Computer Software and the Blockchain Platform 14
> <https://docs.google.com/document#heading=h.49okvir8vwmq>
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> Virtual Currency: Computer Software Protocols and Processes 15
> <https://docs.google.com/document#heading=h.u1gw0w9y52p>
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> Bank.org: Revolutionary Approaches to Agile Innovation 16
> <https://docs.google.com/document#heading=h.2aa81ldquwqy>
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> Conclusion 17 <https://docs.google.com/document#heading=h.wuzm4oh1p4gz>
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> Bibliography 19 <https://docs.google.com/document#heading=h.1qq38owyyhee>
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> Introduction
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> Crypto and Blockchain are each a Human Right.
> For all, everywhere.
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>    1.
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>    How does New York based bank fraud happen from the inside? People who
>    commit crimes comprise departments and divisions of corporate
>    organizations, and some current Human Resources (HR) management cultures
>    lend well to the committing of crimes.
>    2.
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>    What organizational HR management design structures are at play to
>    architectect such fraud for bespoke juristical instances?
>    3.
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>    Is there a unique opportunity for a fresh and clean New York-based
>    international bank such as Bank.org?
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> xNY.io argues that modern and innovative Executive Suites pioneer
> organizational HR management with the CEO and CFO leading the pack as the
> most ethical example for members in their organization. This key
> distinction calls for leaders to always adhere to a very strict, yet
> progressive, standard of ethics, even when it’s inconvenient.
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> World renowned executive Jack McCullough suggests strict adherence is
> necessary, especially when it’s inconvenient. McCullough says that if
> you’re seen as a CEO and CFO “who will compromise when convenient, this
> approach will cause colleagues to consider all the talk about ethics to be
> lip service” (McCullough 2019)
> <https://sciwheel.com/work/citation?ids=10934566&pre=&suf=&sa=0>.
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> The leadership at xNY.io is clear-eyed, recognizing the importance of an
> extensive review program which seeks to explore all aspects of the
> following criteria as part of Legal, Compliance, and Governance (Bloomberg
> 2021) <https://sciwheel.com/work/citation?ids=10935129&pre=&suf=&sa=0>,
> which is our internal due diligence framework based on first class industry
> standards and best practices (xNY.io | Bank.org n.d.)
> <https://sciwheel.com/work/citation?ids=10934818&pre=&suf=&sa=0>.
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> In summary, this HR management innovation essay outlines and explores
> three key concerns for modern Bank and CryptoBank organizations. These
> concerns are signaled by our regulators who rightly suggest that it is
> critically important that the organizers identify, at the beginning of
> the process, an available management team and board of directors (NY-DFS
> 2008) <https://sciwheel.com/work/citation?ids=10935584&pre=&suf=&sa=0>:
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>    1.
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>    The theory of modern virtual currency cross-border regulation logic (Larson
>    2020a) <https://sciwheel.com/work/citation?ids=10935777&pre=&suf=&sa=0>
>    .
>    2.
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>    How to protect xNY.io’s strategic partnership with Bank.org and its
>    mandate to pioneer innovation(s) and noble advancement of modern
>    international banking?
>    3.
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>    Whereas, it is essential to safeguard virtual currency and its
>    potential to galvanize international, economic and social advancement of
>    all peoples (United Nations 1948)
>    <https://sciwheel.com/work/citation?ids=10936242&pre=&suf=&sa=0>.
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> Most importantly, what organizational HR management structures are
> necessary to execute the proposed xNY.io and hybrid model framework, while
> engaging agile innovation to explore the potential of growing Bank.org into
> the World’s Best Bank and headquartered in New York (NY-DFS 2019)
> <https://sciwheel.com/work/citation?ids=10936021&pre=&suf=&sa=0>?
> Focus, Goals and Objective(s)
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> Why would a New York bank build organizational HR strategies with the sole
> purpose of taking advantage of the most vulnerable for exorbitant profit?
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> xNY.io’s focus is to fill a need in clarifying New York’s virtual currency
> standards to achieve progressive innovation while constantly promoting
> respect for human rights and personal freedoms by progressive measures,
> national and international, to secure their universal and effective
> recognition and observance across all global territories of business,
> protecting all peoples and all nations (United Nations 1948)
> <https://sciwheel.com/work/citation?ids=10936242&pre=&suf=&sa=0>.
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> Our simple strategy rests in the fact that virtual currency has
> cross-border utilities (European Commission 2021)
> <https://sciwheel.com/work/citation?ids=10951557&pre=&suf=&sa=0>. Our
> real world experience has uncovered the strategy of a New York bank's
> misemployed Manhattan Island as a walled garden for bad HR management
> camps while wrongfully profiting off of the back of the most vulnerable
> across global markets (Law 360 2021)
> <https://sciwheel.com/work/citation?ids=10951562&pre=&suf=&sa=0>.  Our
> goal is to profit off the pivot from the textbook definition of
> marketplace manipulation, discussed herein related to the feasibility of
> automating stock market manipulation (Association for Computing Machinery
> 2020) <https://sciwheel.com/work/citation?ids=10937107&pre=&suf=&sa=0>.
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> The Supreme Court placed emphasis on the central role of deception to the
> concept of fraud.“ (T)he words ‘to defraud’ . . . primarily mean to cheat,
> . . . usually signify the deprivation of something of value by trick,
> deceit, chicane, or overreaching, and . . . do not extend to theft by
> violence, or to robbery or burglary.” (Hammerschmidt v. United States
> 1924) <https://sciwheel.com/work/citation?ids=10937278&pre=&suf=&sa=0>.
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> Bank.org feels confident in our knowledge and our direct dialogue with
> over 100 of the world’s leading scholars on the subject of international
> law: (Morris 2008)
> <https://sciwheel.com/work/citation?ids=10942187&pre=&suf=&sa=0>
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>    -
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>    The International Criminal Court investigates and punishes people for
>    genocide, crimes against humanity, and war crimes (Wikipedia 2021a)
>    <https://sciwheel.com/work/citation?ids=10942253&pre=&suf=&sa=0>.
>    -
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>    The International Court of Justice, sometimes referred to as the World
>    Court, has two major functions. Firstly, it settles disputes, which the
>    member countries may bring before it. Secondly, it may give its opinions on
>    legal matters (Wikipedia 2021b)
>    <https://sciwheel.com/work/citation?ids=10942250&pre=&suf=&sa=0>.
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> The objective of xNY.io’s research essay summarizes the discussion of New
> York bank organizations and the corresponding HR management architectures
> designed to target maximizing profits through conscious marketplace
> manipulation structures.  The best xNY.io CryptoBank must be concerned
> with pioneering a business beyond leveraging computer crimes, a
> marketplace manipulation matter associated with current New York BitLicense
> architecture and subject to our attention related to
> cross-border/international organized groups that are cyber-based in New
> York (Federal Deposit Insurance Corporation 1989)
> <https://sciwheel.com/work/citation?ids=10942239&pre=&suf=&sa=0>.
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> Strategic Intent
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> Imagine trying to open the best bank in the world and running up against
> BitLicense regulatory arbitrage (Poster 2019)
> <https://sciwheel.com/work/citation?ids=10959604&pre=&suf=&sa=0> just a
> few Manhattan blocks away.
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> Composing a richly robust innovation strategy calls for a clear and honest
> appraisal of current marketplace conditions and identifying the firm’s
> current status. This requires xNY.io to not only be ambitious but also
> extremely articulate in outlining our strategic intent. We see our key
> competitive advantage in cleverley leveraging our vision cohesively with
> all available resources and modern ideals of Bank.org.
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> Bank.org is aware that our uniqueness is very difficult for competitors to
> imitate.  In her book Strategic Management for Technological Innovation,
> Mellissa Schilling suggests that the New York banking sector may be
> characterized as an oligopolistic industry in that there is a low degree
> of rivalry.  Schilling explains that sometimes competitors choose to avoid
> head-to-head competition as a price collusion tactic (Schilling 2019)
> <https://sciwheel.com/work/citation?ids=10951587&pre=&suf=&sa=0>.
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> Being extremely clear and transparent, xNY.io's business models emphasize
> taking advantage of our competitors who have designed global regulatory
> abtrigatre frameworks at the expense of our customers (Buchak et al. 2017)
> <https://sciwheel.com/work/citation?ids=10956108&pre=&suf=&sa=0>.
> Bank.org's stakeholder analysis highlights that many New York banks have
> ignored the ethical and moral implications of designing HR management
> structures with the sole purpose of training employees to act as
> footmen/footwomen in defrauding a global customer base. Furthermore,
> these bad actors revel in the naivety of potential rivals and government
> regulators as an operative procedure of HR management.
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> Through an analysis of the best agile innovation strategy for execution,
> xNY.io and Bank.org have partnered to engage both backward vertical
> integration AND horizontal integration techniques (Tarver & James 2021)
> <https://sciwheel.com/work/citation?ids=10951616&pre=&suf=&sa=0>:
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>    -
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>    xNY.io is vertically integrating backwards by producing our own
>    advanced blockchain technology for global payments.
>    -
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>    Bank.org aims to actively engage leveraged buyouts of competitor
>    banks, a practice that is considered horizontal integration (Kenton &
>    James 2021)
>    <https://sciwheel.com/work/citation?ids=10951605&pre=&suf=&sa=0>.
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> From the very beginning, xNY.io and Bank.org’s ethical and moral
> incentives have been strategically integrated into a modern and innovative hybrid
> infrastructure. Spanning key global functions including (but not limited
> to) reserve management, international legal counsel, and public and
> government affairs and relations, we consider ethics to be a quality
> management concern.  Honestly, the implications of our strategic intent are
> derived from the morals of our founders who seek to efficiently secure the
> smooth function of our cross-border operations.
> Innovation Strategy
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> We recognize our competitors see modern innovation as merely improving
> efficiency of obsolete legacy bank systems and processes to keep their
> operations afloat. It is extremely troublesome that many New York bank HR
> leaders’ modi operandi detail strategies of seeking new revenue channels
> that target the most vulnerable across first to third world markets (Ripple
> 2013a) <https://sciwheel.com/work/citation?ids=10951672&pre=&suf=&sa=0>.
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>    -
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>    As part of our ethical leadership agenda, articulating xNY.io’s
>    strategic intent enables the firm to incorporate our innovation practice
>    into Bank.org’s cross-border development and rollout. Capital investments
>    are required as part of a multidimensional performance architecture, along
>    with real-time systems and computational analyses.
>    -
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>    Our honest deliberation and critical assessment of xNY.io’s strategic
>    intent and development of new computational technologies brought to light
>    the concern of competitors' engagement in computer crimes discussed in
>    the following section.
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> We recognize that true innovation goes beyond juvenile process
> efficiencies. Our innovation strategy constantly anticipates the future by
> recognizing where industry peers are failing today.  This allows us to
> identify and execute products and services that are better - extremely
> better - than what the industry offers today.
>
> Schilling notes that successful and innovative firms question existing
> price performance ­ assumptions. They attract customers by developing and
> introducing products that extend well beyond current market requirements
> and help mold the market’s expectations for the future (Schilling 2019)
> <https://sciwheel.com/work/citation?ids=10951587&pre=&suf=&sa=0>. This
> separates us from our competitors' desperate attempts to cut costs rather
> than ethically addressing and improving their HR operations with
> corresponding moral incentives.
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> Pioneering Human Resources (HR) Management in Banking
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> As international scholars (Mills 2006)
> <https://sciwheel.com/work/citation?ids=10951797&pre=&suf=&sa=0>, our
> founders believe in the future of virtual currencies and blockchain
> platform computer software. This belief has been cultivated and nurtured
> by some of the most recognized pioneers of the global blockchain industry (Bourne
> et al. 2018)
> <https://sciwheel.com/work/citation?ids=10951810&pre=&suf=&sa=0>. We
> consider virtual currency and blockchain technology to be precious,
> appreciating assets with various growing benefits over the course of one’s
> lifetime.
>
> Rolling Stone profiles the New York bank JP Morgan Chase and the bank’s
> HR management techniques, highlighting the conscious disregard of the
> ethical and moral standards from Chase’s Executive Suite knowingly
> excited the peddling of bad products stuffed with scratch-and-dent loans
> to investors without disclosing the obvious defects of the underlying loans (Taibbi
> 2014) <https://sciwheel.com/work/citation?ids=10961062&pre=&suf=&sa=0>.
>
> Chase has repeated deal after deal with the same poor and fraudulent
> organizational HR management methodology, as did many other banks. Rolling
> Stone goes on to say, “It’s theft on a scale that blows the mind.”
>
> New York banks and Silicon Valley technology firms have a long history of
> not only challenging but actively attacking beliefs that virtual currency
> and blockchain are innovative tools for means of payment and stores of
> value, going so far as to launch an ever-popular campaign: “
>
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