The document describes a global banking initiative called "Be the Bank" that allows individuals to become banks by opening accounts called Repository Trust Domains. Members can deposit cash or credit and get a debit/credit card from the banking cooperative to access lines of credit. Trustees use these lines of credit to make loans to projects and grow their capital reserves by buying and selling debt instruments called Medium Term Notes. The goal is for members to build credit reserves that can be used to buy equities for profit or goods and services for personal use.

1. Where people create money to loan out and make large profits just like a Bank