Banks Don't Lend Your Money — They Create It From Nothing 

Think your bank account holds your money? It doesn't. Banks don't lend out deposits — they create new money out of thin air every time they approve a loan. This video breaks down the real mechanism, step by step, with sources from the Bank of England, the ECB, and more. You'll never look at a bank the same way again.

In this video, we dismantle the 'piggy bank' myth and show you the actual process: a bank approves a loan, and simultaneously creates a matching deposit — money that didn't exist a second before. We'll trace the ripple effect through the banking system, explain what really stops banks from creating infinite money, and reveal why most of the money in your wallet is actually a form of debt.

This is not conspiracy theory — it's mainstream, well-documented economics, confirmed by central banks worldwide. Watch until the end to understand the hidden engine of our entire economy.

Banks don't lend money. They buy your promissory note.

Prof. Richard Werner explains clearly and concisely how the banking system truly works.

Trade Secrets of Banking

The unknown legal realities of the Banking Business.

Prof. Richard Werner - Banking Industry Exposed & Solutions Presented - Dublin April 2016

Prof, Richard Werner: Today’s Source of Money Creation

The Monetary Institute's "Our Money, Our Banks, Our Country - Money Creation in the Modern Economy" conference was held in Zurich, Switzerland on February 5, 2018. 

Professor Richard Werner, Chair in International Banking, University of Southampton, England provided this overview of how money is created in nations throughout the world and the impacts and consequences of the current system.

The Greatest Fraud In Human History | Prof. Richard Werner

Prof. Richard Werner is a world-renowned economist, professor of banking, and author of Princes of the Yen. Famous for coining the term "Quantitative Easing" (QE) and publishing the first empirical proof that private banks create money out of thin air through lending, he has spent decades exposing the central planning mechanisms that dictate global finance.

In this episode, we discuss the ”Revealed Preference" framework - demonstrating why we must analyse central bankers by their actions rather than their rhetoric. He explains how central planners use artificial recessions and banking crises as "windows of opportunity" to consolidate ownership, why textbook economics deliberately obscures credit creation, and how establishing decentralised local banks can unlock sustainable 10%+ annual growth.

 Secrets of the Financial System and the Truth About Economic Growth 

R A Werner: 1 Where money comes from

Prof Richard Werner explains the fundamentally important process of money creation which is essential for economic growth in modern economies. He says that privately owned commercial banks create well over 90% of the money supply.

 Interest Rates: The CON of the Century - Richard Werner 

Richard Werner, the author of 'quantitative easing' and a leading banking expert in the world: on interest rates being a provenly false driver of economic growth and the damaging policies of central banks, on centuries old misconceptions about money creation and the actual role of banks in creating money out of thin air, which keeps ravaging markets and hurting the economy via boom bust cycles, about ECB whose policies managed to help destroy 5000 banks in Europe by 2020, about meeting Alan Greenspan who got an instant amnesia about credit creation as the only correct money making theory, etc. However, professor Werner also proposes straightforward solutions for a stable and long-term sustainable growth and development of society in the broadest sense.

The interview with the professor, who doesn't beat around the bush, was recorded on October 15, 2020