Central Bank Digital Currencies Gain Momentum

CBDCs are moving from theory to reality. - 1980–2000s Digital Banking: Money became digital, laying the groundwork. - 2014 China Digital Yuan: Early R&D and city-level pilot programs. - 2021–2022 Global Studies: ECB, Caribbean, and African trials. - 2025 Deployment: Retail interfaces exist, cross-border experiments underway, showing CBDCs can coexist with cryptocurrencies.