The validators idea to accelerate bootstrapping is a good one. And I think you're right; it be institutions like companies and banks that will provide the valid

The validators idea to accelerate bootstrapping is a good one. And I think you're right; it be institutions like companies and banks that will provide the validation services. The issue is tying this to a non-fungible asset. The most obvious problem will be ghettoisation. You can envisage "invitation-only" validators at one end of the economic spectrum and a state sponsored validator at the other end. You could, possibly, force them to interact by mandating a common intermediary, presumably the state, so that there are connections across the population. But, at that point, the personal asset/currency idea seems superfluous. Might as well be an account linked to, say, your social security number that mints a fungible asset periodically. You can look at enhancements to the SSN idea to make it less forgeable but that's a separate issue. Having said all that, I've been quite skeptical of the social benefit of UBI. Largely as I couldn't see how you could sensibly start from here, as it were, and control its development. I still can't see how to do that but I'm less skeptical that it's possible.