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Archetypes for a retail CBDC

Author

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  • Sriram Darbha

Abstract

A variety of technology designs could support retail central bank digital currency (CBDC) systems. We develop five archetypes of CBDC systems, outline their characteristics and discuss their trade-offs. This work serves as a framework to analyze and compare different designs, independent of vendor, platform and implementation.

Suggested Citation

  • Sriram Darbha, 2022. "Archetypes for a retail CBDC," Staff Analytical Notes 2022-14, Bank of Canada.
    • Handle: RePEc:bca:bocsan:22-14
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    File URL: https://www.bankofcanada.ca/2022/10/staff-analytical-note-2022-14/
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    Keywords

    Central bank research; Digital currencies and fintech;

    JEL classification:

    • E - Macroeconomics and Monetary Economics
    • E4 - Macroeconomics and Monetary Economics - - Money and Interest Rates
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • O - Economic Development, Innovation, Technological Change, and Growth
    • O3 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights

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