Based on the research about the future's possible banking system, I built a concept for a Post-Capitalist Central Bank:
Let’s move in time to the year 2045. To a socialist and democratic society, where goods and services are produced voluntarily as well as available freely to us all. The global debt crisis made most of the banks obsolete due to the newly emerged financial system. With no equity loans, all the retail, commercial or any other banks except the Central Bank became irrelevant. Built on solid foundations, the Central Bank is governed by its citizen assembly chosen randomly and rotated. Now each member of society has an account at the Central Bank where they can access their income, trust fund and universal basic income. To unlock some of the benefits like trust funds you must have a plan on how to capitalize the money. To help you achieve that, the Central Bank is here to support the journey with a financial education program. In this post-capitalist society knowledge is the primary resource hence we believe that every school should teach financial education.