
Embedding CBDCs into everyday payments
CBDCs are moving from concept to reality. The point of sale is where they’ll make the most impact – and integration is far simpler than many expect.
Payment behavior is evolving. Even in cash-based economies, a new generation of digital natives is emerging. In response, central banks around the world are actively exploring a digital complement to cash.

CBDCs are moving from concept to reality. The point of sale is where they’ll make the most impact – and integration is far simpler than many expect.

A central bank doesn’t have to choose between a retail CBDC and an instant payment system – they can be complementary.

There’s a lot of talk about the token transformation in global finance. What does the future really hold? Wolfram Seidemann lays out his vision.

CBDCs hold significant potential for advancing the digital economy. A new report reveals why it’s time for central banks to start taking decisive action.

Learn how wholesale CBDCs enable scalable, efficient, and interoperable settlements in evolving tokenized financial ecosystems.

Tokenization can transform the financial system by making it more efficient, accessible, and transparent.

Adding offline capabilities to digital payments will enhance financial inclusion and payment resilience, while adorning electronic payments with cash-like features.

Beyond mere technical feasibility, it is worth asking how certain advancements can actually make lives better. We look at how CBDCs could answer this question.

From banks to businesses, a broad set of stakeholders needs to join forces to drive the success of central bank digital currency.