CBDC — новости и аналитика сегодня

CBDC, or Central Bank Digital Currency, is a state-issued form of digital money that acts as the official counterpart to cash in a purely electronic format, combining transparency, security and full oversight by monetary authorities in contrast to decentralized cryptocurrencies like Bitcoin or Ethereum. Projects such as China’s digital yuan, the EU’s digital euro and discussions around a US digital dollar show how central banks are moving toward modernized payment systems designed to cut transaction costs, fight illicit activity and strengthen monetary policy. At the same time, debates around privacy, centralization and government control keep CBDCs one of the most controversial and closely watched developments in global finance.