Principles

The economic function is to only move value.

Systems utilizing this function can create value.

Conversion should be simple. Flexible.

Privacy isn't part of the design but a side effect of smart engineering.

Account and Reserves description;

An account is from the start nothing more then a membership with the site or business. It can have funds from the start or require a fee to open and deposit a starting amount. Members can create profiles to better inform the business about preferences in stock and trends. Profiles can be made public or private. But the policy should be plain to the user when signing up.

A reserve account is nothing more then a number representing the value of what ever is accepted for it. In the real world. Money.

There are several ways to use this system; Public Listings, Selling House Inventory, and Physical Trades. There are certainly more ways to use this but currently that is what is programmed.
-Public Listings are trades put up by the public or possibly only trusted sources. These trades use only reserves as the tender.
-House Inventory could be anything a business has guaranteed stock of. Items can be sold for only reserves or any other number of virtual to tangible currencies. Reward/Loyalty points or credits is an example of a possible extra virtual currency which the business itself issues.
-Physical Trades allow an exchange of goods in the real world. This is possible thanks to banknotes. The banknote stores a finite amount of reserves to be used in a transaction. After the transaction, the seller then returns the banknote to its source bank and the funds are then deposited into their account.