CBDC and Digital Currencies

This cluster debates Central Bank Digital Currencies (CBDCs) as alternatives to fiat cash, comparing them to decentralized options like blockchain, GNU Taler, and cryptocurrencies, while questioning centralization, use cases, and replacements for physical money.

📉 Falling 0.2x Finance & Crypto
4,395
Comments
20
Years Active
5
Top Authors
#6078
Topic ID

Activity Over Time

2007
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2009
27
2010
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2011
50
2012
67
2013
195
2014
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2015
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2016
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2017
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2018
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2019
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2020
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2021
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2022
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2026
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Keywords

CBDC dailycaller.com RFID ID FedNow NOT USDC bankofengland.co etherscan.io circle.com currency digital currencies fiat cell phone cell fiat currency central bank phone bank

Sample Comments

bluetwo • Dec 2, 2017 • View on HN

Are we sure we're not just re-inventing paper currency?

EGreg • Sep 12, 2017 • View on HN

Except if the cashless currency is on a decentralized blockchain ;-)

mvdtnz • May 23, 2025 • View on HN

Are people using it as a currency? At scale?

snuckr • Jun 22, 2022 • View on HN

The use case is digital money that doesn't require banks.

jjtheblunt • Dec 1, 2022 • View on HN

What would someone use this for, when fiat works everywhere?

qaexl • Mar 13, 2009 • View on HN

I'm talking about a replacement for cash currency.

unixhero • Dec 13, 2017 • View on HN

How about not using fiat currency whatsoever

ddtaylor • Jun 14, 2019 • View on HN

Will this be a centralized currency?

quickthrower2 • Apr 11, 2021 • View on HN

Not sure what crypto adds to this. Just make a local currency, then you can have physical cash as well as digital.

europeanguy • Jan 22, 2023 • View on HN

How about this?https://en.wikipedia.org/wiki/GNU_Taler