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:

(1/X)

https://yakes.io/bitcoin-banking-systems-full-reserve-vs-free-banking

https://twitter.com/ericyakes/status/1567555800784334850 [Nitter]