# CBDC Related Articles

HTX News Center provides the latest articles and in-depth analysis on "CBDC", covering market trends, project updates, tech developments, and regulatory policies in the crypto industry.

BIS Project Agorá settles $1 million in tokenized cross-border payment trials

The Bank for International Settlements (BIS) has announced the completion of initial real-value trials for Project Agorá, a tokenized cross-border payment system. The trials involved 28 central and commercial banks settling approximately $1 million (800,000 Swiss francs) across 17 different transaction scenarios. The system successfully used tokenized central bank reserves and commercial bank deposits to process payments in six major currencies, with average settlement times of around 80 seconds. Participants included major central banks such as the Bank of England and Bank of Japan, alongside global commercial institutions like JPMorgan Chase and Citi. Launched in 2024, Project Agorá aims to explore how tokenization can improve wholesale cross-border payments, with this phase marking a key milestone. The BIS confirmed testing will continue as the project develops.

cointelegraph07/31 11:10

BIS Project Agorá settles $1 million in tokenized cross-border payment trials

cointelegraph07/31 11:10

The Artificial Intelligence Economy Could Accelerate the Establishment of Dominance for Dollar-Pegged Stablecoins

Economists from the ASEAN+3 Macroeconomic Research Office (AMRO) suggest that the winner in the artificial intelligence (AI) race may not be the country developing the most powerful AI model, but the one whose currency underpins these models and their infrastructure. Their thesis outlines a potential cycle where AI-related costs—such as energy for data centers, infrastructure, and usage fees—are denominated in U.S. dollars. As AI grows into a massive industry, this could significantly increase global demand for U.S. dollar liquidity (first channel of dollar dominance). A second channel involves the currency used for payments between AI agents, expected to become widespread in logistics, inventory, and treasury management. Dollar-pegged stablecoins could provide the programmable settlements required for such agent commerce. These two channels may converge, creating a self-reinforcing "dollar loop" where AI computational payments are settled in stablecoins. Stablecoins could gain an early advantage over alternatives like CBDCs due to existing network effects, further entrenching dollar dominance. This would also boost demand for U.S. Treasury bonds used as collateral for stablecoin reserves. The report warns ASEAN+3 nations of over-reliance on this dollar loop and suggests developing regional data centers and tokenized money based on local currencies to participate in the AI economy without reinforcing dollar dependency.

cryptonews.ru07/31 09:24

The Artificial Intelligence Economy Could Accelerate the Establishment of Dominance for Dollar-Pegged Stablecoins

cryptonews.ru07/31 09:24

Major Banks Implement Tokenization in Cross-Border Transfers

Major global banks, including JPMorgan, Citi, and UBS, participated in a pilot project called Agorá, led by the Bank for International Settlements, to test tokenized cross-border payments. The initiative involved five central banks and 28 commercial institutions. The pilot processed approximately $1 million across six currencies (USD, EUR, GBP, JPY, CHF, KRW) using tokenized central bank reserves and commercial bank deposits. A key advantage was processing speed, with payments settling in around 80 seconds on average. The use of a shared ledger provided a single record of ownership and payment status. Another benefit was the ability to perform simultaneous currency clearing, allowing banks to exchange currencies instantly without waiting for separate settlement on each side of the transaction. This reduces risks, lowers costs, and increases transparency. The project operates alongside existing payment systems and does not replace them.

cryptonews.ru07/31 06:50

Major Banks Implement Tokenization in Cross-Border Transfers

cryptonews.ru07/31 06:50

Chainlink CCIP Joins Central Bank Digital Asset Pilots

Chainlink's Cross-Chain Interoperability Protocol (CCIP) is being tested in several central bank digital asset pilots, including Brazil's Drex initiative, Hong Kong's Ensemble network, and the HKMA's e-HKD+ program involving ANZ Bank. These institutional trials, though not yet full commercial deployments, are significant for testing interoperability, secure cross-chain messaging, and settlement in regulated environments. The pilots demonstrate a growing institutional focus on how different tokenized systems can communicate for cross-border trade and payments. For Chainlink, participation enhances its credibility in the institutional market, positioning CCIP as potential infrastructure for a future of interconnected digital asset networks. The article emphasizes that while these are early-stage experiments, they represent a key step in the adoption process for blockchain technology in traditional finance.

bitcoinist07/21 21:31

Chainlink CCIP Joins Central Bank Digital Asset Pilots

bitcoinist07/21 21:31

Digital euro could arrive by 2029, but who is it really protecting?

The European Central Bank (ECB) has warned that widespread stablecoin adoption could erode commercial banks' retail deposit base. ECB executive Piero Cipollone highlighted that stablecoins and mobile payment providers are already threatening banks by reducing deposits, capturing payment fees, and taking customer data. As a solution, the ECB is advancing the digital euro project, which aims to preserve the role of public money and keep banks central to the payments ecosystem. A pilot involving 36 selected banks and payment companies is scheduled to begin in late 2027, with a potential launch by 2029. A key motivation for the digital euro is to reduce Europe's dependence on foreign payment systems and regain control over monetary flows. While the project seeks to strengthen the strategic position of European banks against new competitors, its ultimate success should be measured by its practical benefits. The crucial test will be whether it makes payments cheaper, easier, and more useful for consumers and businesses, rather than merely protecting the existing banking structure.

ambcrypto07/17 22:02

Digital euro could arrive by 2029, but who is it really protecting?

ambcrypto07/17 22:02

European Blockchain Convention Returns to Barcelona for Europe’s First Post-MiCA Gathering

The 12th European Blockchain Convention (EBC12) will take place in Barcelona on September 16-17, 2026, marking Europe's first major institutional gathering since the EU's MiCA regulation came fully into force. The event serves as a key commercial hub for the region's digital asset market, bringing together over 300 speakers from institutions like J.P. Morgan, the FCA, Coinbase, and Fidelity International to discuss the post-MiCA landscape, including CASP licensing, stablecoins, and CBDCs. With over 5,000 attendees expected, EBC12 will focus on institutional capital allocation, tokenization, and market structure, reflecting the industry's shift from debate to execution.

TheNewsCrypto07/14 07:04

European Blockchain Convention Returns to Barcelona for Europe’s First Post-MiCA Gathering

TheNewsCrypto07/14 07:04

Is Trump using the CLARITY Act as leverage in broader negotiations?

The July 4 deadline for the CLARITY Act's passage appears set to lapse without approval, following nearly a year of delays since the House passed it in July 2025. The current holdup stems from President Donald Trump using the bill as leverage in broader negotiations. He recently called off the signing ceremony for the bipartisan 21st Century ROAD to Housing Act, having previously stated he would not sign other bills until Republicans pass the SAVE America Act. This creates a Senate scheduling crunch, squeezing the CLARITY Act's chances before the August recess. Despite Trump's move, Senator Tim Scott and others express hope for advancing the crypto market structure bill quickly, citing a bipartisan Senate Banking Committee proposal. The urgency is driven by concerns that prolonged regulatory uncertainty could push the crypto ecosystem to other nations. However, the bill risks losing momentum if Republicans cannot secure the required 60 votes before the recess, potentially delaying it until 2027. Galaxy Research has consequently lowered its outlook for the Act's passage from 60% to 50%.

ambcrypto07/01 06:02

Is Trump using the CLARITY Act as leverage in broader negotiations?

ambcrypto07/01 06:02

Congress Advances CBDC Ban Until 2030 Through Major Housing Reform Bill

Congress has passed the 21st Century Road to Housing Act, a bipartisan bill primarily focused on housing reform to improve affordability and supply. Included within it is a significant provision that bans the Federal Reserve from issuing a central bank digital currency (CBDC) or "digital dollar" before December 31, 2030. The measure defines a CBDC as a dollar-denominated digital asset, a direct liability of the Fed, accessible to all Americans. Proponents argue the ban allows more time to study a digital dollar's impacts and addresses concerns about privacy, financial surveillance, and government overreach in digital payments. The provision specifically targets a retail CBDC but does not restrict permissionless blockchain networks. This crypto-related language, embedded in broader housing legislation, has drawn considerable attention for its potential to shape the future of digital assets and payments in the U.S. The bill's final passage will determine if the ban takes effect for the next decade.

TheNewsCrypto06/17 12:11

Congress Advances CBDC Ban Until 2030 Through Major Housing Reform Bill

TheNewsCrypto06/17 12:11

Morning Post | Bitmine Plans to Raise $300 Million Through Preferred Stock Issuance; Polymarket Accuses Kalshi of Commercial Espionage

ChainCatcher's Daily Crypto Brief: Key developments from the past 24 hours include significant funding moves, regulatory actions, and market predictions. Bitmine announced a $300 million preferred stock fundraising. Polymarket accused rival prediction platform Kalshi of corporate espionage, citing numerous suspicious coincidences in product launches, a claim Kalshi strongly denied. The U.S. Department of Justice, in a joint "Disruption Week" anti-fraud operation with companies like Coinbase and Meta, froze over $3.8 million in cryptocurrency linked to scams. In infrastructure news, Macau completed its integration with the multi-central bank digital currency bridge, mBridge, aiming to build efficient cross-border payment channels. Cosmos Labs acquired the block explorer Mintscan. Market-wise, Geoffrey Kendrick, Standard Chartered's Head of Digital Assets Research, stated Bitcoin is nearing a bottom around $63,000, maintaining a year-end target of $100,000. He noted stability in U.S. spot Bitcoin ETF holdings. Ahead of SpaceX's anticipated IPO, internal insiders at Rocket Lab (RKLB) sold over $18.41 million in stock. In tokenization, Goldman Sachs partnered with Apex and Archax to launch a tokenized real estate fund. The meme token tracker GMGN reported the top trending tokens: on Ethereum, HEX, SHIB, LINK, PEPE, mUSD; on Solana, TROLL, swarms, WORLDCUP, neet, Buttcoin; and on Base, PEPE, toby, ODDS, ELSA, SKI.

链捕手06/05 01:32

Morning Post | Bitmine Plans to Raise $300 Million Through Preferred Stock Issuance; Polymarket Accuses Kalshi of Commercial Espionage

链捕手06/05 01:32

Eight Global Central Banks Enter the Fray, Aiming to Claim a Piece of the Stablecoin Pie?

The article discusses the Agorá project, a global cross-border payment system initiative led by the Bank for International Settlements (BIS) with participation from eight major central banks (including the Federal Reserve Bank of New York, Bank of England, and Bank of Japan) and over 40 private financial institutions like JPMorgan and SWIFT. Agorá aims to create a unified platform for the instant settlement of cross-border transactions using tokenized commercial bank deposits. A key feature is its strict "permissioned" design, where funds are pre-labeled by country and smart contracts enforce AML and sanctions checks. This contrasts with the "permissionless" ideal suggested by its ancient Greek namesake. The system employs a two-tier architecture: central banks retain full control over sovereign reserves on separate ledgers, while private entities manage a shared ledger for multi-currency clearing. The project, which completed a prototype in May 2026, seeks to streamline the slow, multi-step process of traditional cross-border payments. It is positioned as a centralized, regulatory-compliant alternative to decentralized stablecoins like Tether, targeting large-scale institutional transfers. The analysis highlights a potential future market split: projects like Agorá could dominate wholesale institutional payments, while public blockchain-based stablecoins retain their role in retail, remittance, and emerging market use cases. This represents an effort by traditional finance to establish boundaries for decentralized networks. The upcoming integration of the EU's Pontes framework with its core settlement system will test this dynamic.

marsbit06/02 09:07

Eight Global Central Banks Enter the Fray, Aiming to Claim a Piece of the Stablecoin Pie?