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Digital currencies hold the promise to transform commerce, financial services and more. While there's a lot of work ahead, we are inventing and collaborating right now to make this future possible. 

Central bank digital currencies

In an always-on world, money needs to keep pace. Some governments that want to modernize their outdated payments infrastructure are looking to their central banks to issue their own digital currencies, known as CBDCs. These are digital and equivalent representations of physical currency but easier to handle, less vulnerable to fraud and, as connectivity increases and mobile devices proliferate, a powerful way to include more people in the digital economy.