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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
Sprog:Inglês
Udgivet: MDPI AG 2026-05-01
Serier:International Journal of Financial Studies
Fag:
CBDC
central bank digital currency
privacy
financial stability
user adoption
digital currency design
Online adgang:https://www.mdpi.com/2227-7072/14/5/122
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