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Central Bank Digital Currencies (CBDCs) and cryptocurrencies are vying for the future of money. CBDCs promise stability, regulatory oversight, and potentially faster payments within borders. Cryptocurrencies, like Bitcoin and Ethereum, offer decentralized finance, global reach, and transparency. Both have unique strengths. Which will dominate? The answer likely lies in a hybrid model, blending the best of both worlds for a seamless, secure, and inclusive financial future.

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Absolutely agree. The hybrid approach could leverage CBDCs for regulatory compliance and cryptocurrencies for innovation and global accessibility, creating a robust financial ecosystem.