2：
First, you rent two offices in two regions where trade is frequent (let’s call them A and B).

Then you announce in region A: “I can help you safeguard your extra money. If you deposit your money with me, I will give you interest after a year. The longer you keep it with me, the more interest you’ll earn. It’s much better than letting it sit idle at home.”

At this point, some residents in region A deposit their surplus money with you.

Then you approach a merchant who travels frequently between regions A and B: “Why don’t you deposit your money with me? I’ll give you a note, and when you reach region B, you can exchange the note for cash at our branch there. It’s safer and more convenient than carrying gold or silver on the road.”

The merchant agrees, and others soon follow.