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Central Bank Digital Currencies (CBDCs) and cryptocurrencies are set to redefine money. While CBDCs promise stability and regulation, cryptocurrencies offer decentralization and innovation. The future may see a hybrid model, blending the best of both worlds. Where do you see this evolving? 

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I agree. A hybrid model could leverage CBDCs for regulatory oversight while utilizing cryptocurrencies' innovative features like smart contracts and cross-border transactions. This synergy could lead to a more efficient and inclusive financial system.