A business method for debt elimination is disclosed, comprising: a core bank depositing between $5 million and $5 billion into a core account; said core bank creating at least one financial instrument against said core account; said core bank fractionalizing said at least one financial instrument through the Fed Window; splitting 200% of the value of said at least one financial instrument equally into two separate cash accounts in the name of a business entity, in relation to receiving money from said fractionalization; placing said at least one instrument into a non-depletion account; a purchaser purchasing said at least one financial instrument in increments of at least $125 million; said core bank providing a valued safe-keeping receipt, in said increments of at least $125 million; said purchaser purchasing said at least one financial instrument from said core bank for approximately 225% of the safe-keeping receipt value; said core bank receiving a first payment of 125% of the safe-keeping receipt value of said at least one financial instrument and placing said first payment in a received payments account; said core bank receiving a final payment of 100% of the safe-keeping receipt value of said at least one financial instrument and placing said final payment in said received payments account.
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