Fractional reserve banking is a system in which only a fraction of bank deposits are backed by actual cash on hand or available for withdrawal.

Fractional reserve banking is a cornerstone of modern financial systems, significantly shaping banking practices globally. The concept refers to the practice whereby banks hold only a fraction of ...

Marvin Barth says pegged cryptocurrencies could effectively create “narrow banking”: a long-held dream of economists looking to separate critical financial functions.

Many think interest rates are too high, and a growing chorus of voices is calling on the Fed to cut rates. Are they right?

Get started with a gold investment before the price rises again now.

The free banking era is the closest example of how banking might look on a bitcoin standard, but will credit and fractional reserves be part of that system?

Most large economic systems today use fractional reserve banking to stabilize and grow their economies. With factional reserve banking, banks can lend out deposits with interest to amplify the ...

Most large economic systems today use fractional reserve banking to stabilize and grow their economies. With factional reserve banking, banks can lend out deposits with interest to amplify the ...

Bitcoin was designed to be a system without middlemen, but unless we stop pretending it is perfect as is and work to improve it, middlemen will be the only way to interact with it for most people.

Fractional Reserve Banking Is a Fraud (but It's Genius) The modern financial system is built on banks risking customer deposits – and the U.S. government has blocked safer alternatives.

Fractional reserve banking is the system where banks lend out customer deposits. The role of reserves in the U.S. has changed over time.

In a fractional reserve banking system, banks hold only a fraction of their client’s money in their reserves. Learn more about the system and how it compares to full-reserve banking.