It’s not making any policy or design decision yet.
A digital currency from the central bank could combine some of the benefits of federally-backed cash and privately-controlled digital money, such as:More accessibility for people without bank accounts, who may have difficulties opening accounts at private financial institutions
A federal digital currency could massively change the role of the government in our financial lives, depending on its design A digital currency doesn’t have to be blockchain-based. The Fed, in its paper, makes clear that no specific design or technology has been proposed yet, saying it “will continue to explore a wide range of design options.”
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