The hottest CBDC Substack posts right now

Cash protects privacy, resilience in crises, and everyday budgeting for low-income and informal economies; losing cash hands more power to banks and platforms and makes payments easier to surveil or censor.
Central bank digital currencies (CBDCs) and dollar-backed stablecoins concentrate monetary control and can be used as geopolitical tools, while Bitcoin and other decentralised options offer a different, less controllable model.
Digital payments are consolidating into a few powerful firms, threatening small-scale peer-to-peer trade and individual autonomy, which is driving interest in preserving or reviving analog money as a form of resistance.

The push towards cashless societies is driven by narratives of convenience, safety, and financial inclusion, but it also impacts privacy.
Central Bank Digital Currencies (CBDCs) pose a threat to decentralized transactions and individual control over finances.
In regions like the Southern Cone, the transition to digital payments is accelerating, but the shadow economy and cash transactions still play a significant role.

CBDCs are becoming increasingly important in the global financial landscape.
The only existing CBDC is the Sand Dollar from the Bahamas' Central Bank.
Directly consulting with the Central Bank that has implemented a CBDC provides the most accurate understanding of how these digital currencies work.

Central Banks in the US and EU are moving towards digital currency to have control over people
European Central Bank President admitted that a digital euro will be used for control over payments
Prank video showed ECB President talking about limited control in digital euro and potential dangers

Physical cash is equivalent to state-issued money that can be held by individuals.
When cash is deposited in a bank, it transforms into digital reserves controlled by the bank.
The concept of CBDC, or Central Bank Digital Currency, is a debated topic that revolves around democratizing access to digital reserves at the central bank.

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