Overview

Imagine a bank owned and controlled by the Citizens of New Mexico. This work covers the reason, rationale and procedures for creating a Citizens Bank. This blueprint is generated for New Mexico by author David X Gordon yet, this model applies for any cooperative venture anywhere in the USA and possibly elsewhere. The Citizens Bank For New Mexico, or CB4NM, converts a fraction of the state's wealth into solid gold to back a democratic banking institution. Every citizen receives a voting share, an emergency savings account, and a voice in operations through blockchain polling. With transparent, computer-controlled processes and elected leadership, CB4NM offers standard banking services plus a unique Réal-Coin medallion - a gold-backed cryptocurrency. Keeping funds local, CB4NM invests in our homes, businesses, and infrastructure, separate from government influence. It's a natural, cooperative system for a bright economic future.

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