Decentralised, private, cash-like: researchers propose CBDC designs

Bank of Canada, Ottawa
The Bank of Canada
Photo: Matthew Liteplo Photography

Three research teams at Canadian universities have reported back to the Bank of Canada on projects to develop a theoretical central bank digital currency framework.

Several common themes emerge from the work. All three projects propose a form of money that bears a resemblance to cash in digital form, all include privacy-preserving features, and – in a break from the emerging consensus among central banks – all are partly or fully decentralised.

The Bank of Canada engaged the researchers, from

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