http://ecipe.org/app/uploads/2018/04/DTRI-final1.pdf
https://www.imf.org/-/media/Files/Publications/Fandd/Article/2022/September/Prasad-New-Era-Money.ashx
https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID3950757_code410506.pdf?abstractid=3909166&mirid=1
https://www.nber.org/papers/w24701.pdf