Say the reserve requirement is 10%. Wikipedia states [1]: > The minimum reserve is generally determined by the central bank to be no less than a specified perc

Say the reserve requirement is 10%. Wikipedia states [1]: > The minimum reserve is generally determined by the central bank to be no less than a specified percentage of the amount of deposit liabilities the commercial bank owes to its customers. If someone gives Chase $100, Chase is allowed to loan out up to $90 of it, and must keep the remaining $10 in reserve. 1: https://en.wikipedia.org/wiki/Reserve_requirement https://en.wikipedia.org/wiki/Reserve_requirement The protocol allows someone with 100BTC to send someone else 90BTC.