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Here's the direct download of the PDF:
Bitcoin Banking Systems: Full Reserve s. Free Banking https://yakes.io/wp-content/uploads/2022/09/BITCOIN-BANKING-SYSTEMS_FINAL-1.pdf

Here's the Tweet by the author that kicked off the Twitter thread where the paper was shared:
Will fractional reserve banking inevitably emerge natively in #bitcoin?
If it does wouldn’t we just be recreating the fiat system?
It's likely not what you think bc digitally native #bitcoin banks will be fundamentally different than tradfi banks:
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