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I read the other responses to your question, and I feel like they're all using complicated language and are still ambiguous.

Can we have a simple "for dummies" answer that explains how does the system guarantee that nobody's creating money without notifying everyone in practice?

Is there some kind of a public ledger? Do banks automatically broadcast their money creation operation to other banks?

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Well the simple way to look at this is that usually when you transact with another bank, you're required to have an account at that bank. Just as a consumer can't magically change their balance, a bank simply can't magically increase their balance at other banks. To perform increased transactions, you have to send money to that bank.

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