CBDCs vs Decentralized Currencies: Considerations for 21st Century Global Financial Challenges
Journal: EngagedScholarship @ Cleveland State University (Cleveland State University)
Year: 2026

As digital currencies gain prominence in everyday life, policymakers in the United States at the federal, state, and local levels debate the potential for innovation, surveillance, global relations, and a plethora of areas that concern citizens. While existing literature highlights the opportunities and pitfalls within this new digital age, including inclusivity and challenges to traditional banking, this study aims to contribute a quantitative approach to the discussion utilizing Federal Reserv