This is the first articles of the series I am about to publish. The articles I am about to release is, by a long shot, the hardest, the most consuming writing I have ever done. The articles in the series are intended to make rather complex issues as clear as possible for each and everyone to understand. What I am about to release in the series is so hard to digest, I myself find it hard to accept as true. Alas, I do. Despite prejudicing myself constantly. But it is just the hardship that prompts me to write down my thoughts. Maybe they are of interest to others? I can’t just casually dismiss the issues as impossible, or ”conspiracy”, let alone trivial. Should these observations manifest as events, they would be very true for everyone, in every corner of the world. This piece you now are reading is the first part of the series to be released with the focus in the world of banking. Stay tuned for the rest.
We all have a bank account. Almost everyone has a loan. A bank is an integral part of our daily lives. But – what are banks? Do we really know it? Where do the banks get their money? How do they operate? Lend us money, expect us to pay it back with interest? Is that all? Let’s open up the banking system a bit, shall we, and let’s have a peak behind the curtains. Not only is it vital for everyone to know how banks really do work. In addition, some knowledge of it is of importance to fully understand the depth of the future articles in this series.
Bank for International Settlements or BIS
At the top of the banking system is The Bank for International Settlements or BIS, with its headquarter located in Basel, Switzerland. It is at the pinnacle of banking and provides banking services exclusively to central banks.
BIS was founded in 1930 by the Central Banks of Belgium, Britain, Italy, France and Germany, as well as a group of private banks from Japan and the United States.
BIS Is a Public Limited Company
Based in Basel, Switzerland, BIS has a contract with the Swiss Federal Council which guarantees ”The Bank” full independence, and freedom to operate. 
The agreement provides that buildings, or parts of buildings, and the surrounding land used by The Bank for its purposes, are inviolable, regardless of the owner. The Swiss authorities may not enter the premises without explicit permission.
The Bank’s archives and, in general, all documents belonging to, or in the possession of The Bank, and all data and/or media are inviolable at all times, no matter where. The Bank monitors its premises and has its own police force. The Bank is also exempt from all taxes.
Says Article 12 of the Contract:
The members of the Executive Board of The Bank, and the representatives of the central banks, which are members of The Bank, shall enjoy the following privileges and immunities in exercising of their duties in Switzerland, and throughout their journey to and from the place of meeting:
(a) Exemption from arrest or detention and exemption from confiscation of personal luggage, except in cases of flagrant criminality;
(b) Inviolability of all papers and documents;
(c) Immunity from jurisdiction, even after their duties have ceased, in respect of acts done in the performance of their duties, including words spoken or written;
(d) Customs preferences, and facilities granted, in the framework of the preferential tariff treatment of international organizations.
(e) Exemption for themselves, their spouses and their children from all immigration restrictions, from formalities for the registration of foreign nationals, and from all obligations relating to military service in Switzerland;
(f) The same facilities with regard to monetary and exchange regulations as those granted to foreign nationals on temporary official missions;
(g) The right to use codes for official communications or to receive or send documents or correspondence by courier or diplomatic bags.
Below, in the references section, there is a link to the BIS agreement which become effective in 1987, and was last amended in 2003.
Complete Legal Immunity
This means that, a privately owned, limited liability company, and its members, even their families and – even their clients – enjoy complete immunity against any legal actions.
The Swiss authorities will take all necessary measures to facilitate the entry, exit and residence of all persons formally associated with The Bank.
The agreement provides for a two-year notice period. If terminated, it shall in no way affect the privileges and immunities granted for The Bank under the Convention, Charter and Statute of 20 January 1930.
The Bank has full legal immunity, and to compensate it, absolute financial power.
BIS Controls the Central Banks – And the International Monetary Fund
BIS is The Bank of all the Central Banks. The individuals, the powers that be, may thus dictate what BIS does, which, in turn, passes them on to the National Central Banks, and from there on, the orders are carried on down below to individual banks and other monetary operators. Examples of these are Basel I, II and III. The Basel Committee regulations.
All the world’s Central Banks belong to the ”Club BIS”. The Bank has been classifed as a non-governmental organisation. It should be clear by now that BIS is not run by any state, or states, nor is it supervised by any state or states or their elected officials.
BIS Is above Both the International Monetary Fund and the World Bank
It is easy to perceive this system as a pyramid. At the very top of the pyramid is BIS, a limited company, with complete immunity accompanied by absolute power.
What could go wrong?
These Institutions Help Countries!
These institutions ”help” countries in the form of government loans. In reality, each country is a recipient of so much loan that not one can ever fully repay them. By this virtue, it could be argued, BIS owns the sovereign nations.
For some reason, the debt statistics after the bubble pandemic are not available from Eurostat. Presumably almost every country has crossed the threshold by a wide margin.
Finland, for one, has more than doubled her national debt in the last ten years, and borrowed at least €30 billion to deal the interest rate pandemic.
In the form of debt, a non-elected, non-state actor is able to excert influence over any sovereign country, or even a continent.
The Third Layer of the Pyramid – Central Banks and Autonomous Regions
These Central Banks are autonomous non-governmental organizations, and operate independently of the national governments. ”Federal” really does not equal federal, and European Central Bank, refers to – well – a continent.
This layer used to include the National Central Banks, which now are but subordinate branches to the layer above them.
Independent regions such as the City of London Corporation, the Vatican City and the Free Zone within Washington D.C. are regions comparable to sovereign states and are all focused on banking.
According to some sources Vatican may still flirt with religion. Only it is not clear which one.
The City of London Corporation is the oldest continuously operating local government in the world. It is a borough in Central London with the size of just 2.9 km2, but home to just some 9,000 people. However, 350 000 people work in ”The City”, many of them in the financial sector. For example, the value of gold is determined (and manipulated) there on a daily basis. The City of London Corporation is one of the most significant players in the world of finance.
The Vatican Bank, also known as the ”Institute for the Works of Religion”, appears repeadetly in the headlines for one form of scandal or other.
In 1982, the Vatican Bank was the majority shareholder in Banco Ambrosiano. Banco Ambrosiano was an Italian bank that went bankcrupt in 1982. The key players were in that scandal were Roberto Calvi and his outfit, the P2.
The case led to a criminal investigation. During the scandal, nearly every person involved in the scandal lost their lives, including the then supreme spiritual leader of the Catholic Church, Pope John Paul I.
On the next layer, you’ll find the usual banks and stock exchanges and other typical apparatus of exchange.
Below them are the multinationals.
Below the multinationals are the governments of the states.
At the bottom level – you and me! Yup. We’re the bottom-feeders. If even that.
(You might have noticed that the multinationals were listed above the sovereign countries. No, that was not a mistake.)
A Debt-based Economic System
Our society creates money by entering into a debt-based contract. When you go to a bank and apply for a loan, you are effectively being made to have two different accounts. One account holds the debt and the other holds the money created by the contract.
The money created is not necessarily based on anything, but was created out of nothing. Digitally. Even before, but particularly after abolishing the gold standard, this is how nearly all existing money in the world currently is created – by debt.
Interestingly enough, Russia has retied its currency to gold standard, and the Ruble has gained value. In the USA again, it may be hard to find ”nickles”, 5c coins. People hoard them because a single coin, based on, or tied to, of what it is made from, are worth more than 5c!
This is just one part of it: a debt-based economic system.
The Other Side of the Binary Coin: Operating Costs, Interest Rates
Once money has been created by a debt contract, interest must be paid on top of it. The interest is transferred as capital from the bottom of the pyramid to the top of the pyramid.
Interest causes a perpetual deficit, and the solution is to continually create debt contracts on top of previous debt contracts. The debt never sleeps, just keeps growing.
When you enter into a 25 year mortgage contract, you end up paying more in interest and other created expenses over the 25 years than the principal of the loan was, i.e. more than 100% of the principal.
Wealth Is Concentrated in the Hands of Few
We know that money is power, and that money makes the world go round.
Now that you know the structure of the pyramid, you know that power that comes from banking industry, is in the hands of a very small number of people.
Oxfam says that eight people own as much as half the world’s population.
The group that rules the world must have its ”value base” in order. They can dictate policies of the world as they please, if that’s what they wish.
Who Are They?
We’ll find out who are the richest and, from that perspective, the most powerful people in the world?
How is it possible that in 1930 the Bank of England gained total immunity and absolute global economic power?
What if the goal of this small ruling elite was not a good one? For the rest of us?
We should all hope their moral value base is solid. So should they. After all – they live off of us.
Part 2 – Top of The Pyramid will be released in the near future. Stay tuned!
 Bank for International Settlements https://en.wikipedia.org/wiki/Bank_for_International_Settlements
 Agreement between the Swiss Federal Council and the Bank for International Settlements to determine the Bank’s legal status in Switzerland https://www.bis.org/about/headquart-en.pdf
 Immunities of the Bank for International Settlements https://injektiopiikki.com/wp-content/uploads/2022/03/immunities-of-the-bank-for-international-settlements.pdf
 History of the Basel Committee https://www.bis.org/bcbs/history.htm
 International Monetary Fund (IMF) https://en.wikipedia.org/wiki/International_Monetary_Fund
 World Bank https://www.worldbank.org/en/home
 International Monetary Fund https://en.wikipedia.org/wiki/International_Monetary_Fund
 World Bank https://en.wikipedia.org/wiki/World_Bank
 European Central Bank https://en.wikipedia.org/wiki/European_Central_Bank
 A thousand years of money power in the City of London https://www.kansanuutiset.fi/artikkeli/2844214-tuhat-vuotta-rahan-valtaa-lontoon-cityssa
 Propaganda Due https://en.wikipedia.org/wiki/Propaganda_Due
 Banco Ambrosiano https://en.wikipedia.org/wiki/Banco_Ambrosiano
 John Paul I https://en.wikipedia.org/wiki/Pope_John_Paul_I
 Federal Reserve System https://en.wikipedia.org/wiki/Federal_Reserve_System
 Just 8 men own same wealth as half the world https://www.oxfam.org/en/press-releases/just-8-men-own-same-wealth-half-world
 Finland’s national debt more than doubled in 10 years https://www.salkunrakentaja.fi/2021/12/valtionvelka-10-vuotta/