Designing Retail Central Bank Digital Currencies: A Systematic Literature Review of Trade-Offs Between Security, Privacy, and Financial Stability

This paper proposes a CBDC design trilemma, the claim that central banks cannot simultaneously maximize privacy, financial stability, and regulatory compliance when designing retail central bank digital currencies and finds the existing literature consistent with this proposition. Through a systemat...

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Principais autores:	Jwa Emma Said, Jan Lánský
Format:	Artigo
Jezik:	Inglês
Izdano:	MDPI AG 2026-05-01
Serija:	International Journal of Financial Studies
Teme:	CBDC central bank digital currency privacy financial stability user adoption digital currency design
Online dostop:	https://www.mdpi.com/2227-7072/14/5/122
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