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I just committed an example of "simple money" implemented in Goblins gitlab.com/spritely/goblins/-/

25 lines of code and fully transactional (any error that occurs won't corrupt the bank's state, will preserve the amount of money in it). No blockchain required.

Based on the recipe from: erights.org/elib/capability/od

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And yes, you can access your accounts across servers in this system using CapTP.

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