web3/concepts/private-money.md

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# Private Money
A [currency](currency.md) issued by a private party instead of a nation state or [central-banks](central-banks.md). Private money has a [distribution-problem](distribution-problem.md).
Many [crypto assets](cryptoasset.md) allege to be a form of transnational private money in either their namesake or political imaginaries.
## American Wildcat Banks
The America financial system, before the Civil War, had a large network of independent banks which all issued their own notes as a form of private money. The system was not effective as rife with fraud and [systemic-risk](systemic-risk.md). The bank note was nationalized by The National Banking Acts of 1863.
https://www.npr.org/sections/money/2012/12/07/166747693/episode-421-the-birth-of-the-dollar-bill
## Scottish Bank Notes
## Company Scrip
## Town Money
## References
* [@gorton_taming_2021]
* [@hockett_moneys_2019]