Private banking strategy outline combining cryptocurrency, Gold, and Fiat that allows liquidity, purchasing power protection, and low risk earning potential. Facilitates a combination of private and public accounts working together to implement a permissionless Private Family Banking solution collateralized by Gold rather than Whole Life Ins as has traditionally been done by wealthy families implementing self-banking solutions to keep interest payments 'in the family'.

1. Bullion
Backed,
Private
Banking
Self-Service
Lending 1

2. 2
Bullion Backed,
Private Banking
Self-Service Lending

3. ABOUT US
Who crafts the strategy matters not as much as
whether it works…
Investing excess capital into precious metals has long
historical evidence of working to preserve capital purchasing
power. Keeping the capital ‘in the family’ through private
family banking that pools family capital allowing control of
private lending to family members while capturing and
retaining the interest payments for the family estate.
Combining these two old-money tactics with modern
cryptocurrency enabled private p2p platforms brings enables
previously impossible self-sovereignty over family wealth.
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This Photo by Unknown Author is licensed under CC BY-NC

4. PROBLEM
Historical solutions for private self-banking require trusting
undercapitalized insurance companies and banking institutions
 Collateralizing self-made loans through a private banking arrangement with
cash payments made into Whole Life Ins policies requires a speculative
gamble that the insurance fund will be in existence long enough to pay out on
the policy.
 Formation of a private banking institution to lend capital to Family members
requires licensing, insurance, registration, etc. that all diminish capital
balances, and require a speculative gamble that the political Nation-State
currency will still have value over the long-term.
 Regulatory compliance costs, political risks, and institutional risks have all
combined to make these strategies only practical when implemented on a large
scale only.
Modern monetary efficiencies are making solutions available at much lower
economic thresholds.
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5. BORROWING
SOLUTION
As a storage customer owning metal parcels, you can:
 Use your metal as collateral to get up to 50% of its value in
cash
 Set your own interest rate, currency and loan duration
 Enjoy uncomplicated procedures to get the liquidity you
want, when you want it
 Bypass credit checks, bureaucracy and fund usage
restrictions
 Use the funds for any purpose, including buying more metal
When you agree on terms with a lender a contract is created and a
lien is placed on the metal parcels you choose to use as collateral.
When you repay the loan the lien is removed. Your ownership of the
metal never changes and you are only charged a 0.5%
administrative fee.
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Unlock liquidity when you need it and on the terms you
want, while maintaining ownership of your metal.

6. LENDING
SOLUTION
As a storage customer with funds in your P2P account, you can:
 Lend funds and have them secured by 200%* worth of
collateral.*Only the 1-month loans can be funded with a lower ratio
of 160% (or about a 62.5% loan to value ratio).
 Set your own interest rate, currency and loan duration
 Rely on timely payments, through the sweeper fund system
 Enjoy simple online procedures and transparent processes
 Pay only a low fee of 0.5% of the lent principal
Should the loan principal not be repaid on time, or should the value of
the collateral securing your loan fall to 110% of principal, Silver Bullion
will liquidate (sell) the collateral to ensure you receive principal and
interest. Should a scheduled loan payment be late, the Sweeper fund will
act as a buffer, given funds availability, to ensure timely payments.
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Lend available funds to a fellow storage customer(which might be
your own account if practicing private self-service lending), who
pledges their metal parcels in S.T.A.R. Storage as collateral (valued
at spot price) to secure the loan.

7. SELF-SERVICE
LENDING
Use crypto to invest in precious metals, then
collateralize fiat loans you made to yourself in
order to make payments that require Fiat
political currency
Step 1: Metal loading
Invest 2/3s of the capital devoted to this strategy by using BTC to pay for
vault storage of metals under an anonymously created non-KYC account.
Step 2: Fiat loading
Stake 1/3 of the capital as fiat deposited into the KYC compliant
USD or GSD based accounts of the bullion storage facility.
Step 3: Match loan requests
Accept the privately created loan request made from the BTC
purchased bullion account by the Fiat KYC compliant account
Step 4: Keep your metal and spend
half too, for a 1% administration fee
Upon closing out of the loan period the values would have only
shrunk by 1%, as the interest rate payments paid to your own private
account can be applied towards either more gold or BTC purchases.
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8. 03.11.2019
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Self-service
bullion backed
cryptobanking
Balance public and private operations, and
diversify between crypto, gold, and Fiat.
 Stabilize purchasing power by privately
vaulting precious metals, hedging the
volatility risks inherent in keeping it held in
cryptocurrency and the inflationary risks of
keeping it held as political currency.
 Avoid having to trust either the
cryptoexchanges or the banking institutions
to custody capital and instead trust an
established, insured, and audited private
bullion storage facility

9. LENDING PROCEDURES
A liquidity solution enabling cryptocurrency to be phase-shifted into precious
metals that collateralize loans made with fiat currency in a p2p manner, (which
can be interpreted as public-to-private, as well as person-to-person) at a 2-1 ratio.
1
1st, Load Fiat
1. Open account
2. Verify acct. w/KYC docs
3. Transfer Fiat from existing bank
2
2nd, Post Lending Offer
1. Set amount and currency
denomination, either USD or GSD
2. Set interest rate between 2.5%-9%
3. Set loan timetable at 1, 6, 12, or 24
months
3
3rd, Match Loan Offer
Find the loan request placed from the
private BTC/Metals account, accept the
offer to close the deal and release the fiat
funding to the Private account’s control.
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10. LENDER BENEFITS
Once your loan request is filled and a legally binding contract between the lender
and borrower is created, Silver Bullion will act as an escrow to enforce the contract
by collecting and disbursing funds between the parties and locking collateral.
Protect Your Funds
Diversify away from thinly capitalized
financial systems and protect your lent
funds with 200%* worth of collateral,
which in turn is fully insured against
fire, theft, infidelity and even mysterious
disappearance.
Maximize Lending
Returns
Obtain great risk/reward returns and re-
lend earned interest (roll-over) to
maximize your lending returns.
Eliminate Storage
Payments (If Applicable)
If you also own bullion you can use
earned interest to pay your bullion
storage charges.
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11. BORROWING PROCEDURES
Once your loan request is filled and a legally binding contract between the lender
and borrower is created, Silver Bullion will act as an escrow to enforce the contract
by collecting and disbursing funds between the parties and locking collateral.
1
1st, Create and load
the vault account
1. Create private email address
2. Open account w/email address
3. Transfer in BTC to purchase
bullion to be stored in the
vaults
2
2nd, Set terms of the
loan desired
• Choose to take a loan in either
Singapore dollars (SGD) or
United States dollars (USD)
• Loan duration set to 1, 6, 12, or24
months
• Desired interest rate between
2.5%-9%
3
3rd, Match offers
Find the loan request placed from
the private BTC/Metals account,
accept the offer to close the deal
and release the fiat funding to the
Private account’s control.
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12. BORROWER BENEFITS
Transferred-in metal can also be used as collateral, so if you store metal at home or
with another provider, transfer it to the vault to obtain a loan. Use the loan to repay
higher interest debts or to purchase additional metal.
Protect Your Funds
Diversify away from thinly
capitalized financial systems and
protect your lent funds with
200%* worth of collateral, which in
turn is fully insured against fire, theft,
infidelity and even mysterious
disappearance.
Maximize Lending
Returns
Obtain great risk/reward returns
and re-lend earned interest (roll-
over) to maximize your lending
returns.
Eliminate Storage
Payments (If Applicable)
If you also own bullion you can use
earned interest to pay your bullion
storage charges.
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13. CASE STUDY
A private Panamanian lending
fund with $10 Mil in assets
would like to lend those assets
out internationally to those that
have some Bitcoin profits who
would like to put the BTC up as
collateral. But Panamanian
banks won’t let them purchase
BTC or even Bullion directly
through their account…!
Let’s say that the company would like to keep some of its Fiat value for lending as such, and
would like to privately acquire some position in precious metals to hedge against volatility risks.
First step would be to transfer the Fiat to the designated Singapore bank that has an established
relationship with the bullion dealer, so by creating an account at that bank and transferring funds to
it the Fiat can then be used to purchase Bullion or to lend to those with Bullion stored as collateral.
Clients wishing to acquire a loan on their BTC would simply use it to purchase enough bullion to
collateralize the desired loan and execute their ‘loan request’in the designated timetable, currency,
and interest rate.
The Panamanian Fund would then find the loan request and accept the offer and fund the loan,
with each party only paying a 0.5% administration fee to the Bullion storage facility for
maintaining custody of the collateral and collecting and guaranteeing the monthly payments.
The Panamanian Fund could also acquire its own BTC by using that Singapore bank account to
create a crypto exchange account. And say they desired to hold only 5% of their fund as metal,
rather than speculate as to the best timing to make a single purchase for the $500K the BTC is
acquired using a trusted CryptoChauffer On-ramping service to steadily acquire them over a period
of days or weeks to scale in their entry and average out their cost per BTC. Those BTC could then
be used to purchase their own Bullion to be stored in the vault account which could have 50% of it
re-liquidated as desired into Fiat at a 1% total cost by making a loan request that is matched by
their own Fiat account. These Fiat funds could then be used to pay bullion storage fees pay down
high interest rate debt the Fund has elsewhere, or even loaned back out again as Fiat earning
another 2%-8.5% on the re-loaned funds.
 Fiat is loaded into a highly collateralized Singapore bank and loaned to highly collateralized
private clients who have put their bullion up as collateral for a loan
 A cryptoexchange account has been created that operates as a portal for phase-shifting capital
between asset classes, Fiat into BTC and more, or from BTC back into Fiat as desired.
 The acquired BTC can be used to privately acquire precious metals, place them up for a self-
loan at a 1% cost to then re-loan to acquire additional interest earnings or to pay down high-
interest debt accumulated elsewhere.
 Diversify from Fiat only holdings into both precious metal and cryptocurrency hedging against
political risks inherent in Fiat and volatility risks inherent in BTC.
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15. SUMMARY
Private Bullion Backed
self-service banking strategy
 Take the volatility risks out of crypto and the inflationary risks out of fiat
 Privately purchase Singapore stored gold with BTC and an email address
 Publicly and with KYC compliance store Fiat in an insured, audited, and
collateralized Singapore banking institution
 Keep all interest payments ‘in the family’ by matching one’s own offers and only
pay a 1% administrative fee for the vaulting and record keeping service
 Lock up the purchasing power of cryptocurrency gains by putting it into bullion
that can be liquidated back into BTC by selling, or 50% of it into Fiat by
borrowing against it to yourself or another
 Exercise monetary freedom of choice and take control of your wealth without
asking permission from anyone!
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16. THANK
YOU!
Michael Louis Jr:
Ovsen
WhatsApp
+1 512-693-7076
Email:
thetaoistcryptobanker@pm.me
Telegram:
@thetaoistcryptobanker
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