CBDCs: Policy, Pilots & Tech

The House passed it in 2024. The Senate did not. Learn what the CBDC Anti-Surveillance State Act actually prohibits, how H.R. 5403 and H.R. 1919 differ, and what's next.

CBDC trackers disagree on how many programs are live. Learn how the Atlantic Council, CBDC Registry, and HRF trackers differ on methodology, coverage, and what counts as a CBDC.

134 countries are exploring CBDCs but only 11 have launched. Learn how CBDCs differ from Bitcoin on privacy, control, and censorship risk — and where stablecoins fit in between.

The eNaira launched in 2021 but only 0.33% of Nigerian currency is in circulation. Learn what went wrong, how the CBN is repositioning it in 2026, and what it means for CBDCs.

Russia's digital ruble goes mandatory on September 1, 2026. Learn how it works, what large banks and merchants must do, and how it differs from cash and ordinary bank money.

Biden's EO 14067 directed agencies to explore a digital dollar. Trump revoked it in January 2025. Learn what it said, why it was controversial, and what EO 14178 changed.

CBDCs give governments full transaction visibility and programmable control. Learn how they compare to crypto and stablecoins, which ones are live, and what the risks are.

CBDCs promise financial inclusion and programmable money — but real pilots in China, Nigeria, and the Bahamas show adoption is harder than the theory suggests.

As development progresses in nearly every country on Earth, use this guide to learn how to prepare for CBDCs.

Decentralized stable assets, aka <a href="https://www.thecoinzone.com/defi/defi-yield-protocol/" data-wpil-monitor-id="343">decentralized stablecoins</a>, are a censorship-resistant and trustless means of digital payment.

Trump's win pushes the launch of a US CBDC back in the horizon, but abroad, centralized control is still on the rise.