Central Bank Digital Currency (CBDC) & Blockchain: The Future of Payments | IBM
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A Central Bank Digital Currency (CBDC) is a digital version of a country’s official money, issued and controlled by the central bank. Unlike cryptocurrencies, CBDCs are fully backed by the government and function as legal tender, combining the security of traditional cash with the efficiency of digital payments. They can be designed for public use in daily transactions (retail CBDC) or for financial institutions in large-scale settlements (wholesale CBDC). CBDCs aim to make payments faster, chea
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