Quantitative Balancing and the Fight Against Usury: A New Operating Model for Banks
Author: Marco Saba
Date: July 16, 2025
✅ Introduction
In the traditional banking system, banks create money out of thin air every time they grant a loan. This process generates interest, fueling a cycle of debt that is often hidden from the public. Quantitative Balancing (QB) proposes to address this distortion at its root by introducing an anti-usury operating model based on transparency, social justice, and stability.
📊 Diagram 1: From traditional balance sheet to BQ
Traditional budget
Activity: Loan €1,000
Liabilities: Deposits €1,000
BQ Balance Sheet
Activity: Loan €1,000
Liabilities: Debt to Treasury €1,000
Refund (traditional) : the bank collects €1,100 (including interest).
Reimbursement (BQ) : the bank transfers €1,000 to the Treasury and retains only the operating profit.
⚖️ How the anti-wear option works
The BQ model provides for a fixed rate of interest instead of interest:
The customer repays the capital + a fixed fee .
Example: on €1,000 lent, 10% interest (€100).
| Operation | Amount |
|---|---|
| Loan disbursed | €1.000 |
| Debt to the Treasury | €900 |
| Coinage (profit) | €100 |
| Customer Refund | €1.000 |
| Amount transferred to the Treasury | €900 |
| Bank withholding fee | €100 |
This eliminates unlimited interest earnings, aligning the bank with the role of an ethical intermediary .
🌍 International compatibility
The anti-usury BQ is consistent with the principles of Islamic finance , which prohibits usury (riba) and promotes risk participation and transparency. The bank earns only for the service of money creation, without speculating on debt.
📈 Main benefits
Social justice: stop the endless debt.
Transparency: Citizens know exactly where their money goes.
Stability: The bank no longer has to push debt growth to survive.
Sustainability: less speculative pressure and greater economic balance.
📌 In synthesis
Anti-usury Quantitative Balancing is a concrete step toward a more fair and transparent banking system. It can be gradually adopted by banks, states, or ethical institutions seeking to free themselves from usury and restore monetary sovereignty to the community.
Find out more: Read the full paper
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