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AI Deep Dive: The Battle of CBDCs and Stable coins: The Future of Digital Money


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As central banks accelerate CBDC development, stablecoins are emerging as a dominant alternative, already powering global transactions. But whilst CBDCs promise efficiency and financial inclusion, concerns over privacy, banking disruption and real-world utility persist. Meanwhile, stablecoins offer speed, decentralisation and interoperability but face regulatory uncertainty. The future of money is at a crossroads - so, who will define the next era of digital finance?

As stablecoins gain institutional backing and power faster, cheaper global transactions, CBDCs struggle with privacy concerns and adoption hurdles. Fintech firms are leveraging stablecoin infrastructure to bypass outdated banking rails, raising a pivotal question: if stablecoins offer programmable, borderless money, do we still need banks? The financial landscape is shifting but who will emerge as the dominant force in digital payments?

Part 1 of our Full Article Here

Part 2 of our Full Article Here


With 81% of central banks exploring digital currencies and half planning launches within five years, the future of money stands at a crucial crossroads. In this thought-provoking episode, an all new AI Powered set of hosts, review Blockchain Experts James Tylee and Johnny Fry, dissect the heated debate between Central Bank Digital Currencies (CBDCs) and stablecoins.

The discussion explores how digital payment solutions like M-Pesa and PIX are already transforming financial landscapes, while examining the revolutionary potential of programmable payments in automating payroll, invoicing, and supply chain management.

Key points covered:

- Privacy concerns and government oversight in CBDCs

- Advantages of stablecoins: speed, global reach, and smart contracts

- Regulatory challenges and stability issues

- The possibility of a hybrid future where CBDCs and stablecoins coexist

- Impact on financial inclusion and cross-border payments

Join us for this fascinating exploration of digital currencies and their role in shaping the future of global finance. Whether you're a crypto enthusiast or simply curious about the future of money, this episode offers valuable insights into the transformation of our financial system.

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Digital Bytes by Team Blockchain Radio; Powered By Cyber.FMBy James Tylee / Jonny Fry