100% Reserve Banking History

I’m explaining to someone how 100% banking could work, but this person just can’t believe that banks could exist making money off of

  1. Fees for demand deposits

  2. Arbitrage from lending out money acquired via CD’s

  3. lending out the banker’s (and his partners and stockholders) own capital.

I know that there were banks in Renaissanve Italy, and in Germany that operated on a strictly 100% reserve for demand deposits. I’ve been trying to find some sources but have been unsuccessful. Can anyone point me in the right direction?

Well, let him explain why the three activities you listed would not be profitable ?

You know how it is. Real world examples really cut to the quick of the argument.

Do you know where I could find a source?

  1. Fees for demand deposits

e-gold - sadly in limbo now that the evil state has attacked it