Banking System

Banking is the business conducted or services offered by a bank.

What do banks do?

Too put it simply, banks are involved with the business activity of accepting and safeguarding money owned by other individuals and entities.  They then lend out this money in order to earn a profit.  Interesting... How can they properly safeguard money if they lend it out some where else to earn a profit?  Are all of these methods of earning a profit 100% guaranteed?

Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, known as the Basel Accords.

Learn about shadow banking.

Visit the Ripple Banks website to learn more about banks.

Ripple Banking

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