Blockchain technology is going to revolutionize society. I know it's been said a million times and has had almost 20 years to do so and hasn't but it will. I'm not saying this as a statement of faith but more so as a recognition of a very basic fact that people are overlooking. If a few technological problems can be solved then we will have just built something that can help us solve all of economics. Some of the greatest papers in economics in the past 20 years haven't been about real world economies at all but about video game economies as in MMO we have real data of real human economic activity but at a level of detail that we could only dream of before. Blockchain has the potential to not only do this to the real economy but to make it programmable and decentralized. Bitcoin laid the foundation, and ethereum built upon it magnificently along with the 2 decades of experimentation in the space. I think that this idea that I've been working on it might be the next major step towards bringing the dream of a transparent but high privacy decentralized democratic economy to reality. UME is quite a few things all rolled into one new blockchain protocol. It's: A bridge between fiat and crypto The mathematically most efficiently sharded chain The most storage scalable chain A decentralized 3 party card scheme The core insights that allow this to work are: A on chain account that contains A set of LPs to convert between different currencies A representation of the source code Treating the chain as an evolving graph and tracking graph density over time In this nodes are accounts and edges are transactions with the direction corresponding to money movement direction A library of babble storage scheme RTP bank to bank payments you can read more about it here: https://doxa.louisandersonllc.com/Tech/White+Paper+first+version