CBDCs in practice: What we’ve learned from the early movers
The Payments Association
JUNE 3, 2025
Usage patterns differ, technological approaches diverge, and key challengesfrom privacy concerns to merchant adoptionremain unresolved. Early deployments across Asia, the Caribbean, and Europe reveal how people are using CBDCs, how merchants are responding, and what this means for cross-border payments in an increasingly interconnected world.
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