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Exploring the future of money, Central Bank Digital Currencies (CBDCs) and cryptocurrencies stand at the forefront. While CBDCs are state-issued digital versions of traditional money, cryptocurrencies like Bitcoin and Ethereum are decentralized and operate on blockchain. Which will lead? CBDCs promise stability and integration with existing financial systems, whereas cryptos offer innovation, privacy, and global accessibility. The race is on to redefine how we trade, store, and value money.