@rebreb
Central Bank Digital Currencies (CBDCs) are state‑issued digital cash promising instant settlement, monetary policy tools, and regulatory certainty. Cryptocurrencies offer decentralization, censorship resistance, and innovation ecosystems. The clash isn’t binary: CBDCs could fill niche roles—borderless payments—while cryptos drive innovation. The future isn’t one or the other; it’s a layered monetary fabric where each serves different needs.
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