M O N E Y     M O D U L e S

FAST, sECURE, iNSURED, ARCHIVED, ANNONYMOUS, TRACABLE, cONFIGURABLE

a  DIGITAL cURRENCY  designed  FOR  uBIQUITOUS  eXPANSION  fROM  sURGING  dEMAND

Money Modules reside in a configurable electronic wallet. Insurance companies provide protection for pooled value (if the user wants traceability) or no insurance (ensuring practically anonymous albeit less safe transactions). 
Uninsured transactions can be tracked in aggregate showing patterns of accretion and thus growing or declining black market centers.
Electronic Wallets give corporate treasuries as much protection from unauthorized expenditures as desired including any and all controls currently in place. 
International Standards Organizations will create standards for transmission, storage, and acceptable electronic wallet application program interfaces. There is no extraneous private tax from use of proprietary interfaces.
The solution promotes public trust because central banks issue the currency.

 -> Configurable  Electronic Wallet
-> Insured  Currency (at rest or in-flight)
-> Archived  (Researchable )
-> NO PROPIETARY INTERFACES
-> INTERNATIONAL
-> ANONYMOUS OR TRACABLE
-> PUSH OR PULL
-> ALLOWS GOVERNMENT TAX APPLICATIONS
-> EASY RECOVERY FROM CYBER ATTACKS
-> NO VALUE MAXIMUMS OR MINIMUMS

Hard electronic wallet on the outside. 
Replaceable money module on the inside

CHANGING THE SECURITY PARADIGM​

A  Freely Circulating Currency 

Low cost insurance covers losses because revoked central bank seal prevents loss of value. Central banks refund value reimbursed by insurance companies  if lost/stolen/destroyed value is recovered and archived. If cyber attack is detected and vulnerability discovered issuing bank can replace security modules with broadcast update. Intercepts of module transmission will be detected because of changes in response time.

Too much financial institution tracking/handling of each transaction regardless of value size causes a public retreat to cash, or a barter system, or a non-fiat digital currency. If government forces digital fiat currency upon people wishing to pay or receive payment anonymously then the loss of ubiquity creates a substitute gross real time payment system used primarily for large value transfers and storage of funds. Payer and payees seeking anonymity need, at a minimum, undetectable transfers except if a government warrant allows tracking.

M M with all the trimmings