Shutting down my bank.

Hello all, it is with a heavy heart that I announce the closing of my bank. With all the chaos going on lately, there is no way I can responsibly continue to operate my bank. I had already been contemplating this with the earlier proposed 4 week power down, which would have made my life more difficult, but this decision was cemented when I read the now infamous Steemitblog post:
https://steemit.com/tron/@steemitblog/an-open-letter-to-the-community-hf22-5

Deploy in the next Hard Fork as soon as possible to reduce power down time to 1-3 days in alignment to other mainstream blockchains, while open for discussion for better economic implications.

1 to 3 days!!! This is completely crazy and shows a disregard to how Steem voting is supposed to work. It doesn't work with the 7 day payout window and would allow the same SP to vote 2 or 3 times before post payout.

Of course, we know why they want this change, so that the exchanges that colluded with Mr. Sun can power down the client steem that they powered up to help their hard fork to go through (and probably allow steem inc to also power down and spread out their steem).

In any case, a 3 day powerdown would completely destroy how my bank works, I would no longer be able to accept Steem accounts as collateral for loans, and indeed, there would be much less demand for them.

And sure, I can still accept Splinterlands cards for loans, and I probably will, but this was only a minority of my total loans, and would not support the 6.25 APR that I promise.

I am no longer accepting any new loans based on Steem account collateral.

Just making that clear.

All depositor money has been returned!

I want to make it crystal clear that I have already returned all depositor money. You can examine the blockchain to see that my words are true. No one has been defrauded. Everyone who trusted me and banked with me, has made the promised interest rate. Thank you for your trust and business.

Perhaps someday I'll return to banking, who knows..

My witness is down, and I'm probably out of the witness business

I haven't decided anything 100% but I may well be done with witnessing, will wait a bit before making that final decision. At the moment my witness is non-functional due to the hardfork madness.

If you want to switch your vote from me to someone else I can recommend @goodguy24, I hear he is a really good guy....umm, that was a joke, haha.

I remain commited to neoxian.city and the neoxag.

In spite of this bedlam, I'm still going to try to make my forum neoxian.city and my currency neoxag work. Whether it's still a steem-engine thing, or SMT or MST, or Tron, or EOS or whatever, I'll will try to maintain the forum and currency.

Final Depositor Report:

• Note again, all this money was returned.