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@Monetaryguy589 "Branches of Foreign Banks in the U.S. don't create🟩Consumer loans (Auto Loans Credit Cards and Personal loans) - but they definitely create🟥Loans to Nondepository Financial Institutions (Hedge Funds Investment Managers and Securities Brokers). Currently H.8 Branches of Foreign Banks Loans to NDFI's total $XXX Billion"
@Monetaryguy589 on X 2025-07-14 02:15:24 UTC 4526 followers, 2041 engagements

"Securities Dealers are currently reporting a $X Trillion "net asset position" in 🟦Treasuries and 🟧Agency MBS holdings as of 1Q25 What's more interesting.🤔 the first quarter increase in MBS net asset position was the largest in history for the Dealers - including just prior to the 2008 monetary crisis"
@Monetaryguy589 on X 2025-06-30 17:43:15 UTC 4528 followers, XXX engagements

"Commercial Bank Liquidity Update 🚨 The combination of H.4 Bank Reserves🩶and monies the Fed Borrows in the H.4 Overnight Reverse Repo operations🟣are good indicators of available (and potentially available liquidity in the Banking system Total Balance stood at $3.392T this week - down another $65B from last week. 🟢H.8 Cash Assets of Banks that were NOT also H.4 Reserve Balances ("Operational Cash Assets") stood at only $57B this week - down from $103B last week. Operational Cash Assets: Vault and ATM Cash Cash Items in Process of Collection Balances Due from other non-Central Bank"
@Monetaryguy589 on X 2024-11-12 18:55:18 UTC 4542 followers, XXX engagements

"A bank can mint a new stablecoin for a customer by encumbering reserve balances. When that stablecoin eventually makes its way back to the issuing bank to be redeemed it simply gets destroyed and a new deposit IOU token is minted for that other customer. Minting and destroying deposit tokens and stablecoins are not something people are thinking too much about yet but I suspect it will be constantly occurring - it's how Banks will make money - converting assets and liabilities back and forth for customers"
@Monetaryguy589 on X 2025-07-23 16:50:41 UTC 4548 followers, XX engagements

"H.8 Cash Assets reported by the Commercial Banks 🟩 H.4 Reserve Balances reported by the Federal Reserve 🟨 Fungible Liquidity: H.8 Cash - H.4 Reserves 🟥 Fungible Liquidity is the excess Cash Assets of Banks that could be used in transactions with non-Banks outside of the Federal Reserve system. In 1990 Cash Assets of Banks reported at $240B including $34B of Reserve Balances at the Fed - approximately $200B of Fungible Liquidity. The month before Lehman Bros. failed in September 2008 Cash Assets of Banks reported $308B including just $10B of Reserve Balances at the Fed - approximately $300B"
@Monetaryguy589 on X 2025-07-24 17:01:03 UTC 4553 followers, XXX engagements

"The ability of average people in Society to access the same (or better) economic data than Central Bank economists requires a different construct - they are no longer the experts"
@Monetaryguy589 on X 2025-07-21 14:02:13 UTC 4542 followers, 4124 engagements

"What Backs the Fed's Money 🤔 The Federal Reserve holds Securities Assets on its Balance Sheet as collateral to backstop the physical Currency it prints and distributes throughout the world as well as the digital Reserve Balances it apportions to the Commerical Banks Up until 2008 the Fed's balance sheet was simple - 🟥Treasury Assets backed 🟩Currency Liabilities Then we went through a period where the Currency was under collateralized - so the Fed decided to createReserves to acquire bad assets from the Banks - providing liquidity to the interbank system and creating the current "ample"
@Monetaryguy589 on X 2025-07-17 04:09:51 UTC 4550 followers, 1313 engagements

"Last week the cost of interest paid to the Branches of Foreign Banks was approximately $1.18B on approximately $1.3T of Reserve Balances The question is. Why do we let Foreigners park deposits in these Banks (which do no consumer lending by the way) - only to then have these Banks turn around and deposit Reserves at the Fed to earn IORB Whats really crazy - since September of XX this concept is now coming at a direct cost to US taxpayers via lack of Fed Remittances (which previously ran $100B annually for XX years) Isnt is a better idea to have these Foreigners buy our Treasuries or Repo"
@Monetaryguy589 on X 2025-07-24 00:55:37 UTC 4553 followers, 7209 engagements

"The Balance Sheet make up for Branches of Foreign Banks is very different than the Large Domestic banks Lending is less than XX% of Assets and its not consumer based (its NDFIs and C&I) their Customer Deposit Liabilities are less than their Reserve Balances at the Fed (ridiculous) they are massive Borrowers both domestically and from home offices abroad and position themselves as large Net sellers of Fed Funds Assets (+) Liabilities (-)"
@Monetaryguy589 on X 2025-07-24 02:40:40 UTC 4551 followers, XXX engagements

"@CaitlinLong_ When Banks and private companies can create stablecoins directly - why do we even need a centralized money creator like the Fed 🤔"
@Monetaryguy589 on X 2025-07-24 14:19:27 UTC 4551 followers, XXX engagements

"Now that the Banks can officially create dollars for their Customers in the form of stablecoins and considering the optimum way to create them is by collateralizing Reserve Balances will the Banks find it more profitable to just "cash out" from the Fed If the liquidity features of this new form of money become more valuable than holding illiquid Reserve balances at the Fed earning IORB or if stablecoins become more desirable to hold as savings vehicles by foreigners instead of Currency then what purpose do we have for a "money creating" central bank 🤔"
@Monetaryguy589 on X 2025-07-19 02:05:58 UTC 4528 followers, XXX engagements

"From the Basel Committee on Banking Supervision 🤔 The calculated G-SIB Banks scores related to systemic importance in global Payments Activity 2014 vs. 2024 No wonder JPM is holding back the crypto"
@Monetaryguy589 on X 2025-07-21 20:42:04 UTC 4546 followers, 1636 engagements

"The Central Banks wants the world to focus on Bank Reserves and the Interest they pay on them Meanwhile its the flow and elasticity of collateral that actually drives the money supply. And yet they ignore this"
@Monetaryguy589 on X 2025-07-24 15:35:03 UTC 4553 followers, 1062 engagements

"An excellent idea but its really District X in New York that needs the first exam"
@Monetaryguy589 on X 2025-07-21 13:33:25 UTC 4526 followers, XXX engagements

"This is SO important and no one is talking about it - so let me be crystal clear Under the Genius Act Banks can use their Reserve Balances at the Fed - AS COLLATERAL - to back stable coins. This means XX years of trapped Bank Reserves totaling $XXX Trillion are about to become liquid. Under Genius Stablecoin collateral cannot be rehypothecated So if you are a Bank using Treasuries or Repo to back your stable coins means you cannot use those assets as collateral elsewhere on your Balance sheet. This is a problem because chances are you are doing that exact thing now with your Treasuries. Bank"
@Monetaryguy589 on X 2025-07-02 18:47:14 UTC 4528 followers, 84.6K engagements

"4Q Z.1 Financial Statistics L.133 Rest of the World 🟢FIMA Securities Repo with the Fed: $415B 🔴Rest of World Securities Repo: $1.383T 🔵Interbank Transactions with Foreign Countries: $1.894T"
@Monetaryguy589 on X 2025-05-12 04:03:04 UTC 4547 followers, 1047 engagements

""It's well known that the Federal Reserve resists any kind of a rule-based approach to making monetary policy. They want to have full discretionary capability to decide - in a free market economy - what should be the rate of interest" @judyshel"
@Monetaryguy589 on X 2025-07-22 23:35:09 UTC 4525 followers, XXX engagements

"I would think (unfortunately) that they probably view the Foreign Banks as liquid because of all their Reserves - and since they provide no FDIC insurance on their deposits I dont know exactly how these factors come into play on their regulation restrictions- but obviously there is no limit on Reserve Balances - even when they are more than Deposit liabilities"
@Monetaryguy589 on X 2025-07-24 03:04:10 UTC 4551 followers, XXX engagements

"Revolutionizing Banking with Stablecoins: A Proposal for a New Financial Paradigm🏦🤔 As of last week the Federal Reserve is grappling with an ever-increasing $230B deferred asset deficit driven by $78B in annual IORB losses currently on $3.4T of Reserve Balances earning XXX% Enter the GENIUS Act: Banks can now encumber $1.80T of Reserve Balances to issue stablecoins neutralizing the loss. First we stop paying IORB on $1.50T of Reserves held in the Branches of Foreign Banks and convert all of their Reserve Balances into stable coins - saving $66B in IORB. Currently Foreign Branches maintain"
@Monetaryguy589 on X 2025-06-20 05:05:15 UTC 4550 followers, 3215 engagements

"Did you know. the Federal Reserve also pays interest on $XXX Billion of deposit accounts of "non-banks" in addition to the interest it pays to the Banks on their Reserve Balances🤔 This week total interest was approximately $XXX Million paid to depositors in the🟪ON-RRP 🟦FIMA RRP and🟨Other Deposits (CCPs) parked at the Fed This week the Fed also accrued another $1.18B in losses to the 🟥Deferred Asset - bringing that situation to over $235B since September of 2022. While the Fed accrues these "losses" there no Remittances being paid to the Treasury from otherwise profitable financing"
@Monetaryguy589 on X 2025-07-12 04:32:18 UTC 4551 followers, 3422 engagements

"Reserve Balances held by the Federal Reserve 🏦 🟩Branches of Foreign Banks: 1.439T (42.4%) 🟪Small Domestic Banks: $509B (15.0%) 🟧Large Domestic Banks: $1.450T (42.7%) When the interest payments the Fed makes to the Banks on these Reserve Balances result in a lack of profitable Remittances to the Treasury it means the Taxpayers end up directly burdened with incremental debt issuance"
@Monetaryguy589 on X 2025-07-18 22:26:54 UTC 4526 followers, 1708 engagements

"The part that matter is what the Treasury says - not the Fed 🤷♂"
@Monetaryguy589 on X 2025-07-20 19:34:27 UTC 4528 followers, XXX engagements