Education·26 January 2026·4 min read
CBDC — the state's digital money
Central banks are working on their own digital currencies. What a "digital leu" or "digital euro" would mean.
A CBDC (central bank digital currency) would be a digital version of official money, issued by the central bank itself — not a crypto company. A kind of electronic cash guaranteed by the state.
Benefits and fears
It could make payments faster and cheaper, but raises privacy questions: the state could see every transaction. It's a debate about the balance between efficiency and freedom — the future of money.
