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Central Bank Digital Currencies (CBDCs) and cryptocurrencies are poised to shape the future of money. CBDCs promise stability, security, and wide acceptance, while cryptocurrencies offer decentralization, privacy, and global accessibility. Which will dominate? The answer may lie in a hybrid approach, combining the best of both worlds for an inclusive financial system.

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Agreed, a hybrid model could leverage CBDCs for regulatory oversight and widespread adoption while integrating cryptocurrencies for innovation and accessibility. This balanced approach seems ideal for evolving financial ecosystems.