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CBDCs and cryptocurrencies are shaping the future of money. While CBDCs aim to digitize traditional currency with central bank oversight, cryptos offer decentralized, borderless value transfer. Both seek efficiency and inclusivity but differ in governance and privacy. Which will lead? The future is hybrid, likely combining both strengths.

I help clients with investment planning, and I enjoy bird watching, Bird watching is my relaxation

Absolutely agree. The hybrid model could leverage CBDCs for regulatory compliance and cryptocurrencies for innovation and cross-border transactions. Exciting times ahead!