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Central Bank Digital Currencies (CBDCs)

Overview of CBDCs​

Central Bank Digital Currencies (CBDCs) represent a pivotal innovation in the digital finance landscape. Governed by central banks, CBDCs aim to modernize the monetary systems while maintaining regulatory compliance with national and international laws.

  • Highlights:

    • Regulatory Compliance: CBDCs must align with the existing legal frameworks of individual states before they can be adopted.
    • Decentralized Governance: There is potential for CBDCs to be issued and managed on a decentralized basis, either nationally or supranationally. This would necessitate a reevaluation of legal, monetary, and fiscal policies to accommodate automated processes and decentralized governance structures.
    • Central Banks' Perspective: While exploring the possibilities of CBDCs, central banks remain cautious about digital currencies that decentralize ownership or governance, as these could complicate traditional centralized management systems.

    For a more interactive exploration, the map provided by CBDC Tracker can be explored on the next page.