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IBM, June 2023

Central Bank Digital Currencies (CBDCs) are at the forefront of modernizing the banking and financial industry, aiming to tokenize both digital and physical assets, including national currencies.

Retail CBDCs, directly issued by a country's central bank, are seen as a response to the reduced use of cash and the rise of digital payments and cryptocurrencies. More than 110 central banks, representing over 95% of global GDP, are exploring CBDCs, with various countries already in advanced stages of development or implementation. IBM Research is actively working on offering digital asset infrastructure to enhance resilience, transparency, and privacy while supporting both wholesale and retail CBDCs.

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