The fractional reserve banking system provides the monetary network on which modern economies are based. The acknowledged issue currently hanging over macro economic theory is the behaviour of the Banking and Financial System in our economy.

Threadneedle provides the first emulation of the fractional reserve banking system ever to be created, allowing detailed exploration of different regulatory frameworks and mixes of financial instrument, and their impact on economic development.

Double entry book keeping is used for all banking transactions, which can be audited at will. Banking systems can be simulated independently of an economy by short circuiting monetary flows, or as part of larger economies.

A range of regulatory frameworks is supported, including the Basel framework, central bank reserves, and full reserve banking.