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![SocraticQuant Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1595556355951063040.png) Richard Crowe [@SocraticQuant](/creator/twitter/SocraticQuant) on x 13.4K followers
Created: 2025-07-19 13:56:10 UTC

Is CBDC inevitable?

Pros of a CBDC for the USA

- **Faster, Cheaper Transactions**: Near-instant payments, lower costs for domestic/cross-border transfers.

- **Financial Inclusion**: Access for unbanked/underbanked via mobile apps.

- **Monetary Policy Efficiency**: Direct stimulus distribution, programmable money options.

- **Reduced Illicit Activity**: Traceable transactions deter money laundering, tax evasion.

- **Global Competitiveness**: Maintains dollar dominance, aligns with fintech trends.

- **Resilience**: Modernizes payment systems, withstands disruptions.

Cons of a CBDC for the USA

- **Privacy Concerns**: Risk of government surveillance, loss of cash anonymity.

- **Cybersecurity Risks**: High-value target for hacks, system outages.

- **Banking Disruption**: Deposit outflows, reduced lending capacity.

- **High Costs**: Expensive infrastructure development, complex transition.

- **Access Inequity**: Excludes those without internet/smartphones, digital literacy barriers.

- **Regulatory Challenges**: Needs new privacy, AML, and consumer protection frameworks.

- **International Tensions**: Geopolitical risks, cross-border coordination issues.

![](https://pbs.twimg.com/media/GwOa4YtXsAAt2kY.jpg)

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**Related Topics**
[money](/topic/money)
[microloans](/topic/microloans)
[united states](/topic/united-states)
[pros](/topic/pros)
[cbdc](/topic/cbdc)

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