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A group of central banks, including the Bank of Canada, Swiss National Bank, European Central Bank, Bank of England, Bank of Japan, Board of Governors, Federal Reserve System, Sveriges Riskbank, and Bank for International Settlements, are exploring central bank digital currencies (CBDCs) for the public. They have published several reports on system design, interoperability, user needs, and financial stability implications. The motivation for introducing a retail CBDC may rest on the role of central bank money as a public good and the potential for innovation in the monetary system. The central banks have continued to collaborate to deepen practical policy perspectives on CBDCs.
