Central Bank Digital Currencies

1. 01

   Retail CBDCs

   Direct access for consumers and businesses

   • ·Person-to-person payments
   • ·Merchant transactions
   • ·Financial inclusion
   • ·Programmable money
2. 02

   Wholesale CBDCs

   Interbank settlement and institutional use

   • ·Cross-border payments
   • ·Securities settlement
   • ·Liquidity management
   • ·Regulatory compliance
3. 03

   Hybrid Models

   Combined approach with public-private partnerships

   • ·Two-tier distribution
   • ·Private sector innovation
   • ·Central bank oversight
   • ·Scalable infrastructure

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