CBDC Research

CBDC Research -

Portdex research on Central Bank Digital Currencies (CBDCs) explores the distinct applications and impacts of both wholesale and retail CBDCs on the payments ecosystem. By studying these two forms of CBDCs, Portdex aims to understand their respective benefits, challenges, and implications for wholesale (interbank) and retail (consumer) payments.

  • Retail CBDCs research focus on  digital payment option for individuals, including unbanked populations, by offering a low-cost, accessible medium for secure transactions directly with central banks.
  • Evidence collection of Retail CBDCs  potential to reduce transaction costs for consumers and businesses by offering a direct, cash-like digital alternative without intermediaries.
#CBDCs

Privacy Preserving

The research is examining the balance between transparency and privacy in retail CBDCs, aiming to create secure, traceable transactions without compromising individual privacy. For retail CBDCs, achieving a balance between traceable transactions and user privacy is crucial. Portdex research focuses on privacy-preserving technologies that maintain transparency without compromising individual data security.

#privacy

Central Bank Digital Currencies (CBDCs)  may open doors to innovative retail and wholesale transaction use cases, enhancing efficiency, security, and trust in financial transactions. 

  • CBDCs  may allow for seamless settlement of tokenised assets, such as digital representations of stocks, bonds, or commodities. Both DvP and PvP protocols could facilitate instant and secure exchanges of tokenized assets with CBDCs, enhancing liquidity in financial markets.
  • The  innovation will enable the tokenization of traditionally illiquid assets, allowing them to be traded quickly and efficiently, increasing access to capital and expanding investment opportunities.
  • CBDCs can automate compliance and verification steps in both DvP and PvP transactions, integrating Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements within the transaction itself
  • Portdex research into CBDC applications aims to further these innovations, exploring how CBDCs can fundamentally reshape retail and wholesale payments through real-time transaction finality, reduced costs, and enhanced security frameworks.