FRED, Central Bank digital currency, biggest holder of mortgages, Citi, BNU Mellon, US Bank, Wells, etc. France, Switzerland, Singapore cross-border CBDC.
BIS is a private institution overseeing government things. Control over purchases, no cash, government can freeze accounts like Canadian Truckers participation and support. Events can also be faked while backdroors are pushed through. One digital identity mapped across all bank accounts, KYC. Carbon scores, social credit.