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    <loc>https://sovereignmoney.site/monetary-reform</loc>
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    <lastmod>2013-06-12</lastmod>
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      <image:title>Blog</image:title>
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    <loc>https://sovereignmoney.site/blog/category/Naval+Gazing</loc>
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  <url>
    <loc>https://sovereignmoney.site/monetary-puzzlement</loc>
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    <priority>0.75</priority>
    <lastmod>2020-02-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1581857633905-5RBIT3V8OARLPKC14SEM/Puzzle.jpg</image:loc>
      <image:title>Monetary Puzzlement</image:title>
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  <url>
    <loc>https://sovereignmoney.site/the-chicago-plan-100-per-cent-reserve-and-plain-sovereign-money</loc>
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    <lastmod>2025-07-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1372273831747-5RSTQVP5C2MBSYUMP9PZ/Irving+Fisher.jpg</image:loc>
      <image:title>The Chicago Plan (100% Reserve) and Plain Sovereign Money</image:title>
      <image:caption>Irving Fisher, about 1930s, promoter of discretionary 100%-money</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1372273942632-XRS70YWPAJPIWHB0N6CG/Milton+Friedman+jung.jpg</image:loc>
      <image:title>The Chicago Plan (100% Reserve) and Plain Sovereign Money</image:title>
      <image:caption>Young Milton Friedman, supporter of mechanical rule-based 100%-banking (Chicago plan). - Photo: Columbia Univ.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1372274296677-25A2DEYZ5Q30Q1DFJMX1/ECB+work+in+progress.jpg</image:loc>
      <image:title>The Chicago Plan (100% Reserve) and Plain Sovereign Money</image:title>
      <image:caption>European Central Bank - Work in progress. Another Tower of Babel?</image:caption>
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  <url>
    <loc>https://sovereignmoney.site/from-blogs-and-print-media</loc>
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    <lastmod>2018-12-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1398371256115-BPJFERK8PBF8RFUD8O8U/Martin+Wolf+ft</image:loc>
      <image:title>From blogs and print media</image:title>
      <image:caption>M. Wolf ft</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1382863014783-7XN11YE664DGK340QSDC/Helvetia+auf+M%C3%BCnze.jpg</image:loc>
      <image:title>From blogs and print media</image:title>
    </image:image>
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  <url>
    <loc>https://sovereignmoney.site/free-banking-and-gold-standard</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-02-13</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/in-blogs-and-print-media</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1406110935872-A9YZIIHT80KUHJQAWB8U/image-asset.jpeg</image:loc>
      <image:title>In blogs and print media</image:title>
      <image:caption>Augusto Graziani 1933 - 2014</image:caption>
    </image:image>
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  <url>
    <loc>https://sovereignmoney.site/monetary-system-analysis</loc>
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    <priority>0.75</priority>
    <lastmod>2025-07-18</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1495285942091-QQQD602V5JT7QN21G8QI/image-asset.jpeg</image:loc>
      <image:title>Monetary System Analysis</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1539531896761-LPDGM6VMZ46PCAQMAN4G/World+Bank+logo.jpg</image:loc>
      <image:title>Monetary System Analysis</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1392633655326-I1OF6AQQSSMHROHJWP9K/Foto+Michael+Schemmann.jpg</image:loc>
      <image:title>Monetary System Analysis</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1480599487478-RLK36YFIN0PRK8ZEYM38/Glocalities+Survey+Graph.png</image:loc>
      <image:title>Monetary System Analysis</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/f4d1b8b0-6fa5-4a37-99c4-00c666d8eeb4/marshall+mcluhan.jpg</image:loc>
      <image:title>Monetary System Analysis - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/3c89878d-8c28-424d-b9fb-f6ae4ad6d09c/Adair_Turner_at_the_CBI_Climate_Change_Summit_2008_cropped.jpg</image:loc>
      <image:title>Monetary System Analysis - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/23-multiplier-model</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-06-28</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/monetary-reform-as-incremental-innovation</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2014-08-31</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/25-interest-rate-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-06-28</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/papers-and-manuscripts-sovereign-money-reform-in-full</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1587984878889-0AQ2INOB8486JGSTG8F1/Kompass.png</image:loc>
      <image:title>Sovereign money reform in full</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1582484705361-2CW5XM4BGCX6VINGXYHV/Swiss+Ini+brochure+in+Engl.jpg</image:loc>
      <image:title>Sovereign money reform in full</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1582462292038-2I5A99V44QP6F8XWGIH4/James+Robertson+Foto+about+2000-05.jpg</image:loc>
      <image:title>Sovereign money reform in full</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1582462364989-AXARATPYQAQKD96QTM1E/JH+Foto+3-2007.jpg</image:loc>
      <image:title>Sovereign money reform in full</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/701d03e4-c43a-4883-97e0-04549601f539/Omarova+Saule+T.jpg</image:loc>
      <image:title>Sovereign money reform in full - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/b02c52b0-438d-4c41-b0e5-1b89d0c85134/Desan%2C+Cristine+A.jpg</image:loc>
      <image:title>Sovereign money reform in full - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/monetary-reform-and-the-euro</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1468248705029-391DUJOZSD7NCA0YAJRM/image-asset.jpeg</image:loc>
      <image:title>The Euro</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1582742687631-ITV2Y8JH4G5TPGJGN8LN/Italiens+Mini-Bot+w%C3%BCrde+so+aussehen.jpg</image:loc>
      <image:title>The Euro</image:title>
      <image:caption>This is how Mini-Bots would look like. They would be denominated in Euro, not Lira!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1429972808909-O18JK5B6LZWB2R8VK2DL/image-asset.jpeg</image:loc>
      <image:title>The Euro</image:title>
      <image:caption>Th. Mayer</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1447345884296-OEPLGKJKEK6N05FRHQQN/image-asset.jpeg</image:loc>
      <image:title>The Euro</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1482912878133-M1CZ5WB3CE4ZKKX6VRH0/image-asset.jpeg</image:loc>
      <image:title>The Euro</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1585153850282-6A6MZ4X7KVQ61QMJO029/Edgar+Wortmann+Foto.jpg</image:loc>
      <image:title>The Euro</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1573154608816-26BJNO8J4X8HPAY6Y6NE/image-asset.jpeg</image:loc>
      <image:title>The Euro</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/monetative-initiativerklaerung</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1382196525436-APE92XTG28GI8HU973SY/Monetative+D+blau+auf+wei%C3%9F.JPG</image:loc>
      <image:title>Monetative Initiativerklaerung</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/the-case-for-sovereign-money</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-01-02</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/mone-manifesto-monetario</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1382193603736-Y7UQRCVM4WGKDSPMO2VZ/Monetative+D+blau+auf+wei%C3%9F.JPG</image:loc>
      <image:title>Mone Manifesto Monetario</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/41-sector-balances-accurate-or-simplistic</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-06-30</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/42-government-debt-and-sound-finances</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-06-30</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/38-is-government-creditor-or-debtor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-07-11</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/chapter-1-intro-to-cnm</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1372253685327-NNPG26N97ML7NSSJ6DWK/Cover+Creating+New+Money+2000.jpg</image:loc>
      <image:title>Chapter 1 Intro to CNM</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1384850413813-LNZBUY5LFB5UXQ6Y18DY/Robertson+Photo.jpg</image:loc>
      <image:title>Chapter 1 Intro to CNM</image:title>
      <image:caption>James Robertson 1928 - 2023</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1384811815697-D52UPZP8UTCCPFM23FE6/v+MD+Kopf1+Apr13+color-2000x1333+sidew+cropped.jpg</image:loc>
      <image:title>Chapter 1 Intro to CNM</image:title>
      <image:caption>Joseph Huber 1948 -</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/mone-a-kezdemnyezs-lersa</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1382195809272-G9NLN042JALCQ84ZJJH5/Monetative+D+blau+auf+wei%C3%9F.JPG</image:loc>
      <image:title>Mone A kezdeményezés leírása</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/contact-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-17</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/mone-initiativerklaering</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1382195262749-X7NCSZ9LI6KSMVYXI0G9/Monetative+D+blau+auf+wei%C3%9F.JPG</image:loc>
      <image:title>Mone Initiativerklaering</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/100-per-cent-reserve-chicago-plan</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-07-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1495287084530-KEN8EI8AUIH0P1IATLE9/image-asset.jpeg</image:loc>
      <image:title>100%-Reserve (Chicago Plan)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1461068880754-50OWM0EF7ZYVZ1K7TB3A/image-asset.jpeg</image:loc>
      <image:title>100%-Reserve (Chicago Plan)</image:title>
      <image:caption>Prof Kaoru Yamaguchi</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1582545530548-T2KEEA682C87WRT8XSCZ/Zarlenga+AMI+Foto.jpg</image:loc>
      <image:title>100%-Reserve (Chicago Plan)</image:title>
      <image:caption>Stephen Zarlenga 1941 - 2017</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://sovereignmoney.site/37-euro-sovereign-currency</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2013-06-28</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/impressum-data-protection</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-17</lastmod>
  </url>
  <url>
    <loc>https://sovereignmoney.site/start</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-07-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1472134068362-2X02AJ46DGI9ZB8CV4OV/colorful-stones-pavement+quotcalcadaquot.jpg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1557226228251-7NN8QDH79PKWMVP3OR06/GSW%2BHaus%2BBerlin%2B2014%2B2.jpg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1482744761077-PTM87YM15BS36G2PUJIA/image-asset.jpeg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1557238198614-RU7C0RU33HXH6QO3T7BP/IMG_1077.jpg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1407402326668-PQD7ZSRKYEWEY49QZ02L/image-asset.jpeg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1407401674621-KZDFH3KZ8579D6UZZ2S8/image-asset.jpeg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1482595321843-KRZHRYGZVUA1OOGW507D/Treppen+Schlossteich+Charlottbg+1.JPG</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/db3b5b04-5e7d-4346-9b40-8a747ac84cf0/Caree+Bodenmoasik+hell+u+dunkel+braun+zugeschnitten.jpg</image:loc>
      <image:title>Start - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1602692774537-06LDCCWH4JBW5HYH4MY3/KLeinpflaster%2Bmit%2BHerbstlaub.jpg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1484668157886-ICWNXC3H305IIHA3T9BK/Steine+Wannseeterrassen.JPG</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1578392400399-IMBL7GUK4H16RUJ0UE62/Japan+Garten.jpg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1482744173413-WSHM80WDQVRA6NFEE14E/water+surface.jpg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1482246424248-NZAP1I14NDB8KR6GX64J/bunte+rundstein-pflaster.jpg</image:loc>
      <image:title>Start</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/5685884f-b8aa-4272-9b81-d9bd0b311e24/Monetary+Turning+Point+cover.jpg</image:loc>
      <image:title>Start - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1398881018452-X18JWDUV485YQP5UVPPI/Mackenzie+King+1945</image:loc>
      <image:title>Start</image:title>
      <image:caption>Mackenzie King 1945. Photo: National Archives of Canada</image:caption>
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      <image:title>Mone Beginselverklaring</image:title>
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      <image:caption>Ludwig von Mises</image:caption>
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      <image:caption>Jesús Huerta de Soto in front of a Carl Menger memorial plaque</image:caption>
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      <image:title>Notes on Huerta de Soto and Neo-Austrian School</image:title>
      <image:caption>Friedrich von Hayek. To him, the notion of 'legal tender' had no acceptable meaning. He called for a radical denationalization of money by way of 'free banking'.</image:caption>
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      <image:caption>A gold bullion hoard. Only the lightning is modern.</image:caption>
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      <image:title>Mone Manifiesto Monetario</image:title>
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      <image:title>mone manifeste monétaire</image:title>
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      <image:title>Bio - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Be sure of direction</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Monetary workarounds - Digital currency and sovereign money accounts</image:title>
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      <image:title>On the links between money and credit</image:title>
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      <image:title>On the links between money and credit</image:title>
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      <image:title>On the links between money and credit</image:title>
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      <image:title>Central bank currency register for accounting for sovereign money</image:title>
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      <image:title>Central bank currency register for accounting for sovereign money</image:title>
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  <url>
    <loc>https://sovereignmoney.site/monetary-reform-light-cbdc-sovereign-digital-currency-coexisting-with-bankmoney</loc>
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      <image:title>Monetary reform light - Sovereign currency coexisting with bankmoney</image:title>
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    <loc>https://sovereignmoney.site/digital-currency</loc>
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      <image:title>Digital Currency Design Principles</image:title>
      <image:caption>Picture faz.net</image:caption>
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    <loc>https://sovereignmoney.site/modelling-sovereign-money</loc>
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      <image:title>Modelling Sovereign Money</image:title>
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      <image:title>Modelling Sovereign Money</image:title>
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    <image:image>
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      <image:title>Modelling Sovereign Money - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Modelling Sovereign Money</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1545814458093-FX6Y3T6STUR5GVSTU40B/Trond+Andresen.jpg</image:loc>
      <image:title>Modelling Sovereign Money</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1480343368239-K4BNTQVBIDOM97WO6FL7/image-asset.jpeg</image:loc>
      <image:title>Modelling Sovereign Money</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1480343564607-4O5WQG3YLME7BTEKT11O/Michael+Kumhof+BoE.jpg</image:loc>
      <image:title>Modelling Sovereign Money</image:title>
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  <url>
    <loc>https://sovereignmoney.site/how-to-account-for-sovereign-money</loc>
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      <image:title>How to Account for Sovereign Central-Bank Money</image:title>
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    <image:image>
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      <image:title>How to Account for Sovereign Central-Bank Money - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://sovereignmoney.site/modern-money-theory-revisited</loc>
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      <image:caption>Source: kjohnsonnz.blogspot.com</image:caption>
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      <image:title>Modern Money Theory Revisited</image:title>
      <image:caption>Source: FAZ.Net</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1557407198063-4HGPQRLZPF6P2RYIXGWX/MMT+inconvenien+truth+vs+reassuring+lie+independentaustralia-net.jpg</image:loc>
      <image:title>Modern Money Theory Revisited</image:title>
      <image:caption>Source: Independent Australia.Net</image:caption>
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  <url>
    <loc>https://sovereignmoney.site/safe-accounts</loc>
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    <lastmod>2026-03-21</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1554125999063-DDEU0QVS480435994H2M/Liquid%2BMoney%2BSchemmann%2Bbook%2Bcover.jpg</image:loc>
      <image:title>Safe accounts</image:title>
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    <image:image>
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      <image:title>Safe accounts</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/fae8f80a-435d-4098-8879-82f46c5499fc/Omarova+Saule+T.jpg</image:loc>
      <image:title>Safe accounts - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1538485339565-UXXX6B6XE2N8I5MUXB28/Change+vs+change.jpg</image:loc>
      <image:title>Safe accounts</image:title>
      <image:caption>Picture internat.Movement monetary reform</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1585742385043-U6KK6AL1FYP57G823PMG/IMMR+logo.png</image:loc>
      <image:title>Safe accounts</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1447259618410-QFB3EKUY9VIMO6EN4TK7/image-asset.jpeg</image:loc>
      <image:title>Safe accounts</image:title>
      <image:caption>Thomas Mayer, FAZ</image:caption>
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  <url>
    <loc>https://sovereignmoney.site/negative-interest-old</loc>
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      <image:title>Negative Interest - old from May 19</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1570525672915-RK49E0REC9NDHAB338V2/E.+Brown+saved+Oct+19.jpg</image:loc>
      <image:title>Negative Interest - old from May 19</image:title>
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    <loc>https://sovereignmoney.site/sovm-vs-mmt</loc>
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    <lastmod>2025-07-18</lastmod>
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  <url>
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    <lastmod>2019-07-23</lastmod>
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  <url>
    <loc>https://sovereignmoney.site/dominant-money-i-taxonomy-and-monetary-tide-changes</loc>
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    <lastmod>2020-07-11</lastmod>
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      <image:title>Dominant Money I - Taxonomy of Money and Monetary Tide Changes</image:title>
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    <image:image>
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      <image:title>Dominant Money I - Taxonomy of Money and Monetary Tide Changes</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1578250567102-2WO9U82VWDNXCBQ1NQNP/Fig+1+-+Rise+of+bankmoney+to+dominance.gif</image:loc>
      <image:title>Dominant Money I - Taxonomy of Money and Monetary Tide Changes</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1578250736333-J30ZH0O1CYMIYR8KAJNC/Fig+2+Decline+in+central-bank+money%2C+here+cash.gif</image:loc>
      <image:title>Dominant Money I - Taxonomy of Money and Monetary Tide Changes</image:title>
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  <url>
    <loc>https://sovereignmoney.site/dominant-money-ii-the-rise-of-sovereign-digital-currency</loc>
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    <lastmod>2020-07-11</lastmod>
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      <image:title>Dominant Money II - The rise of sovereign digital currency</image:title>
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  <url>
    <loc>https://sovereignmoney.site/monetary-financing-of-government-expenditure</loc>
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    <lastmod>2021-07-23</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1587300448300-4G4IBXO3IMPDZJ4HHVD0/helicopter+money+3.jpg</image:loc>
      <image:title>Monetary financing of government expenditure</image:title>
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  <url>
    <loc>https://sovereignmoney.site/the-hemispheres-of-finance</loc>
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    <priority>0.75</priority>
    <lastmod>2021-07-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1602591856568-ZMVX1OQJBARBABNGBGW6/zwei+Halbschalen.jpg</image:loc>
      <image:title>The hemispheres of finance</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1602591973217-L0PG05085VMV4Y71MO1F/Globus+historisch.jpg</image:loc>
      <image:title>The hemispheres of finance</image:title>
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  <url>
    <loc>https://sovereignmoney.site/real-economy-and-financial-economy-gdp-finance-and-non-gdp-finance</loc>
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    <lastmod>2020-11-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1602674845434-6M1VA75BCAHR3J2S0BBR/zwei+Halbschalen.jpg</image:loc>
      <image:title>Real economy and financial economy: GDP finance and non-GDP finance</image:title>
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    <image:image>
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      <image:title>Real economy and financial economy: GDP finance and non-GDP finance</image:title>
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    <loc>https://sovereignmoney.site/the-case-for-sovereign-money-21</loc>
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    <lastmod>2021-05-26</lastmod>
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      <image:title>The Case for Sovereign Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1609613429614-ZVDDLJM1Y89ZG6FPIE5P/Eule+v+Athen.jpg</image:loc>
      <image:title>The Case for Sovereign Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1609613182483-6Z1K8GA0BYFGYLZCG765/strudelchaos.jpg</image:loc>
      <image:title>The Case for Sovereign Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1609613307859-61O7298RN910X5PS04RQ/Dynamic+chaos+and+complexity.jpg</image:loc>
      <image:title>The Case for Sovereign Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1609601575320-VXQ34XH8NK0CDDJHWTGU/Alexander+Stater+m+Engel+ca.330BC.png</image:loc>
      <image:title>The Case for Sovereign Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1609613915352-894TEZG162GO2UQ1WF7T/Erde+4.jpg</image:loc>
      <image:title>The Case for Sovereign Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1609614055780-KLA0IU5HGZZIZZ1UMUPQ/EZB+und+Ffm+Bankenviertel.jpg</image:loc>
      <image:title>The Case for Sovereign Money</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1609614155298-D8WQAQCGHGY4F8JE76XY/Stablecoins+Zignaly.jpeg</image:loc>
      <image:title>The Case for Sovereign Money</image:title>
      <image:caption>by Zignaly</image:caption>
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    <loc>https://sovereignmoney.site/books</loc>
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    <lastmod>2026-02-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/55f0c890-c7a3-4ebf-b6ef-772c89237468/Monetary+Turning+Point+cover.jpg</image:loc>
      <image:title>Books - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1481791675537-9SUEZ4531XWQ5GPYH1LA/image-asset.jpeg</image:loc>
      <image:title>Books</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1371071271522-V69YEBOAKD2NWSG45KXI/Cover+Creating+New+Money+2000.jpg</image:loc>
      <image:title>Books</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1505653694673-U1OVMY75TB2WGDEVRUAS/KPMG+Money+Issuance+-+cover+page.png</image:loc>
      <image:title>Books</image:title>
      <image:caption>A comparison of the current monetary system and a sovereign money system. Political developments and research. by S. Svanbjörn and S.B. Sigurjónsson, KPMG Iceland, 2016 commissioned by the Icelandic Prime Minister's Office</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/51ab60bee4b0361e5f3ed7fb/1484329331354-3S0MC8B5FWC3Y79GZAJL/Frosti+Sigurjonsson+-+Monetary+Reform+-+2015.jpg</image:loc>
      <image:title>Books</image:title>
      <image:caption>monetary reform. a better monetary system for iceland by frosti sigurjonsson commissioned by the prime minister of iceland</image:caption>
    </image:image>
    <image:image>
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      <image:caption>by B. Stellinga, J. de Hoog, A. van Riel, C. de Vries. Scientific Council for Government Policy. Springer 2021.</image:caption>
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