Libra isn't doing fractional reserve, it's full reserve. If you want to do fractional reserve banking, you have to be a bank. Having said that, if you want to

Libra isn't doing fractional reserve, it's full reserve. If you want to do fractional reserve banking, you have to be a bank. Having said that, if you want to issue worthless tokens backed by nothing in exchange for real money, you can do that. That's your average initial coin offering. Laws still apply and you need to do due diligence, but it's possible.