Central Bank Digital Currencies (CBDCs)
Government-issued digital money, and how it differs from decentralised crypto.
What you’ll learn
- •A CBDC is a digital form of official currency, issued directly by a central bank — unlike commercial bank money or decentralised crypto.
- •Retail CBDCs (for the public) differ significantly from wholesale CBDCs (interbank settlement only).
- •The UK's potential digital pound remains in research/consultation, not a live product — always check official sources.
- •Central banks cite payments efficiency, financial inclusion, and monetary sovereignty as key motivations.
- •Critics raise privacy and 'programmable money' control concerns, plus risks to commercial banks.
- •Bank deposits, CBDCs, stablecoins, and decentralised crypto each rest on a completely different trust structure.
Full lesson and quiz for subscribers.
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