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    Published on Thursday, March 7, 2019

    Document number 19/04

    Central Bank digital currencies: features, options, pros and cons

    Summary

    The emergence of cryptocurrencies is opening the way to Central Bank Digital Currencies (CBDCs). This paper highlights the pros and cons of issuing CBDCs under four different variants: from the more modest proposals to the most ambitious ones where there could be a serious disruption in financial intermediation.

    Geographies

    Authors

    Santiago Fernández de Lis BBVA Regulation - Head of Regulation
    Olga Gouveia BBVA Research - Lead Economist

    Documents and files


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    Report (PDF)

    WP_Central-bank-digital-currencies-ICO

    English - March 7, 2019

    Report (PDF)

    WP_Monedas-digitales-emitidas-por-bancos-centrales-ICO

    Spanish - March 7, 2019

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