(Central) Banking

(Central) Banking is the MoMaT banking spine of OiC.OS: from one commercial bank to multi-bank networks with central-bank-style reserves — teaching kernels einbank, zweibank, and dreibank on one Acc · Dec · Gov substrate. It is the foundation for a Modeling Service twin and the service layer for digital money (crypto, tokenised deposits, stablecoins, blockchain rails) and international balances. Islamic Banking builds on this spine; LiquiPool is contained in it.

Einbank — one bank, closed economy

Einbank is the foundational kernel: one commercial bank, firms, labour, capital, and resources — a closed institutional economy whose books, contracts, and decisions stay coherent by construction. Compose the agents, run the simulation, redesign when strategy shifts. Everything later — multi-bank, Islamic governance variants, LiquiPool as a composed facility inside this architecture — rests here.

Crypto and CBDC-style units are money kinds and clearing rules on the same verified accounting substrate — bilateral claims, QEB balance, typed governance — not a parallel universe beside classical bank money.

Dreibank — interbank and central-bank style reserves

Dreibank (with Zweibank as the intermediate step) lifts Einbank to an interbank / multi-bank institution with a central-bank-style reserve structure: several commercial banks, shared settlement, and macro accounts that must still close. Same spine, larger scale — not a different product family.

At this scale sit international balances (Stokes-style / BoP-consistent clearing between currency areas) and the natural frame for multi-issuer token systems and on-/off-ramp banks without abandoning verified books.

MoMaT — foundation of OiC.OS

The theoretical foundation is MoMaT (Monetary Macro Accounting Theory) — the book programme on this site, and the foundation of OiC.OS itself. See Axiomatics / MoMaT, MoMaT-A (axiomatic money and macro accounting), and MoMaT-I (currency areas and international clearing). Open the kernels in the Workbench.