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⭐️Cadabara Finance Season 2 Airdrop 30 $ABRA አገኘሁ። እናንተስ?


Season 3 ቀጥሏል።

U.S. CBDC Ban: A Boost for Wholesale Digital Currencies?

On January 23, former President Trump signed a law prohibiting the development and deployment of central bank digital currencies (CBDCs) in the United States, with a focus on banning retail CBDCs. This decision marks a significant shift in U.S. financial policy and has global implications for the future of digital currencies.

Retail CBDCs, designed for direct use by the public, aim to replace cash and enable seamless, digital-first transactions. However, critics have raised concerns about potential privacy violations, government overreach, and disruptions to the traditional banking system. The U.S. ban addresses these concerns by preventing the Federal Reserve from creating a digital dollar for consumer use.

Interestingly, the ban does not explicitly restrict wholesale CBDCs, which are meant for institutional purposes, such as interbank settlements and cross-border payments. Wholesale CBDCs align with existing financial systems by improving transaction efficiency and reducing settlement risks without directly interacting with the public.

This policy shift reflects a preference for innovation within the institutional financial sector while preserving individual privacy and protecting commercial banks’ role in the economy. Globally, it may discourage other nations from pursuing retail CBDCs while encouraging further exploration of wholesale CBDC applications.

As the U.S. influences the direction of global digital finance, the emphasis on wholesale CBDCs could reshape how nations modernize payment systems and conduct cross-border trade. For now, the U.S. stance prioritizes stability over direct disruption.

Since Telegram's Announcement to restrict other blockchains on it's platform which airdrops or projects you're currently involved in will be affected. Comments below.