Central banks are exploring issuing digital currencies known as CBDCs to modernize payments and currency systems. CBDCs could replace physical cash and be issued through central banks, making other payment systems like credit cards, bank notes, and cryptocurrencies obsolete. Central banks are researching how CBDCs could work within existing financial systems and what benefits and risks they may bring.

1. CBDC: Central Bank Digital Currency
Dr. Trinh Anh Tuan, IVSZ Fintech munkacsoport vezetője
Budapest Blockchain Conference 2020

2. „A successful CBDC/Fedcoin would make bank notes, credit
card companies, and Bitcoin obsolete” (2017)

3. Money flower
BIS – Bank for
International
Settlements

4. Some examples