Looking forward to it!

The centralization will come to help stabilize the currency. Trust will be built upon research professionals studying economics and blockchain technology. The XOV team has surrounded themselves with experts in the academic world that study cryptocurrency, the bank regulation world, the software engineering world, and legal world. They're making sure everything is done right from the start.

Why does USDT have over $2b in holdings currently? People want stability. And, the XOVnode (masternode) is going to allow anyone to gain interest on their deposits so they can feel comfortable spending their crypto for goods and services.....not feel like they always have to HOLD. That model will NOT work long term.

In order for cryptocurrency to be fully utilized, there will have to be stable prices. With a bank model, you will be able to create accounts (masternodes) that will gain interest, so you're able to SPEND your money for goods and services that people will accept. Not just all based on speculation, but based on real value. XOV is seeking to centralize this volatile world in order for all of us to have a currency we can trust.

We might all like certain qualities of BTC, but the masses will never adopt it as is. It is too volatile for the average investor and the average merchant. If I'm am trying to build wealth and savings, I can't afford to have my portfolio to crash 75% repeatedly. Likewise, if I was selling something, I'd want to know what you paid me was going to have the same value tomorrow.