This simulator is being shared openly in the hope that a trusted European company or compliance-focused financial firm will take the work forward responsibly. It is too large and too regulated for one person to design, build, govern and maintain alone. A safe real-world programme would need to create many good jobs across financial compliance, banking, consumer protection, cybersecurity, accessibility, engineering, independent audit, operations and public service. No company or financial partner has been selected, and this simulator is not a bank, payment service or government system.