> The same thing you do every night: borrow money overnight in the interbank market. If this becomes a regular thing, liquidate some assets.

You don't have any assets in the scenario we're talking about. Nobody is going to lend you money, because you're not a bank, you're a sham scheme trying to start up a magic money-printer.

You can't disburse another institution or to cash without having some assets somewhere to back all of this up. Your balance sheet, ultimately, has to make sense. Your supposed bank here couldn't loan me money to buy a car, because the dealer isn't going to be happy with numbers on a ledger in my account at this bank, they want something harder.