> Someone has probably invented fractional reserve banking for crypto, but most crypto users don't want to deposit their crypto into such a system. Actually, b

> Someone has probably invented fractional reserve banking for crypto, but most crypto users don't want to deposit their crypto into such a system. Actually, by many accounts, Tether (USDT) has been based on some kind of fractional reserve (nobody can prove that or disprove that), and USDT happens to be the top (?) stablecoin in use.