Central bank digital currencies (CBDCs) are the talk of the town, with most of the heads of issuing institutions talking about more or less concrete projects. Their aim is to not be outdone by cryptocurrencies or easy money transfer applications (such as Lydia in France), but to enable instant transfers from a smartphone. That's the initial idea. Other, less avowed ambitions are to render cash useless, and thus be able to track all local transactions in order to combat undeclared work (and terrorism, an irrefutable argument). Its promoters are even credited with the technically feasible aim of making money programmable ("You've used up your carbon quota, so you can't buy plane tickets")...
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https://goldbroker.com/news/what-if-cbdcs-became-the-only-form-of-currency-3100
You want to read the whole article,
https://goldbroker.com/news/what-if-cbdcs-became-the-only-form-of-currency-3100