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Central Bank Digital Currency (CBDC): The Future of Money

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Unlock a new level of payment efficiency

As the digital economy matures, Central Bank Digital Currencies (CBDCs) are being recognized as a valuable addition to the traditional payment system. This is due to their fast, secure, and convenient nature, which has the potential to enhance the way payment networks operate and increase transparency in the system.

Access to new currency features.

For a long time, cash was the only way to make payments. However, with digitization, various digital payment methods have emerged. As a result, the idea of digital currency as legal tender is becoming more popular. Central Bank Digital Currencies (CBDCs) combine the best features of existing payment options. They can provide the anonymity and data protection of cash, as well as the convenience and security of digital payments. Additionally, CBDCs can offer the speed, immutability, and security of blockchain technologies. Since CBDCs are simplified as digital cash, they could create new financial opportunities to meet changing needs.

Designed for multiple purposes.

To create an effective CBDC, it is important to design it according to its intended purpose. If the CBDC is meant for use by the general public, then it should be tailored as a retail CBDC, which allows individuals to transact in a safe and convenient manner. Conversely, if the CBDC is intended for use by financial institutions, then it should be created as a wholesale CBDC, providing these institutions with a secure and efficient means of transferring value.


Whichever design is chosen, it is important to ensure that the CBDC is user-friendly, secure, and meets the needs of its intended users. Both approaches have their strengths, and whichever is taken, the potential for digital currency to change our daily lives is already on its way.

Digital Euro: the money revolution

Interview with Patricia Battenberg, Head of Strategic Relationships at Worldline Financial Services, about the European Central Bank intention of launching the Digital Euro and how it is shaping the future of money and payments.

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How Central Bank Digital Currencies could reshape the global economy

Worldline is at the forefront of designing the future of central bank currency

Worldline has been chosen by the European Central Bank to contribute to the future of payments in Europe as part of the digital euro prototyping. Worldline shares the ECB's objective and intends to actively participate in the evolution of the payment industry by contributing to strategic and transformative projects such as the digital euro. Worldline will carry out the "peer-to-peer offline payments" use case of the digital euro, which focuses on payments between individuals.


As a payment services leader, Worldline will create an electronic wallet for the physical storage of funds, which can be transferred without an internet connection. The prototyping exercises aim to test the technology's ability to integrate with various use cases for the digital euro.

An end-to-end solution to offer the best digital payment experience

Worldline provides a ready-made solution for creating and managing a digital currency system that operates in a closed network. The platform enables the automation of business rules that can be associated with usage, management of CBDC to closely monitor the money supply. Additionally, it is possible to issue multiple digital assets at once. Ultimately, enjoy a personalized dashboard and reporting tools to facilitate the monitoring of all your assets.

CBDC: The Digital Future of Money

Everything is subject to digitisation nowadays, and cash is no exception.

In the white paper, Central Bank Digital Currencies (CBDCs) are considered from various angles as a new means of payment via digital currency, even globally.

Download the whitepaper

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