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Only banks can convert promissory notes into Federal Reserve Note (FRN) dollars, as they are the entities authorized to monetize and securitize signatures under federal banking regulations. This process allows banks to create money from your promissory note, which they consider as cash value or credit signature. When individuals inquire about using their promissory notes for purchases, the response is that the requester is not a bank and cannot perform this transformation. Therefore, transactions must be conducted in FRNs, the current recognized currency in the economy, as they represent lawful money that can settle debts, as opposed to merely being debt instruments.
