Tired of the central banks’ incompetence leading the world from one recession to the next, the financial corporations form their own central bank, the ReserveCorp. From the start, ReserveCorp initiates its own “reserve” currency (the Crypto). It then offers this currency in the form of loans to various corporations; who, in turn, pay their employees in Cryto units. ReserveCorp offers “local” currency to the employees based on rates which ReserveCorp set. As federal governments struggle with liquidity problems, the Crypto currency gains strength and replaces lesser currencies as the universal trade currency.