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![honzacern1 Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::799708794531901440.png) Honza Černý [@honzacern1](/creator/twitter/honzacern1) on x 1350 followers
Created: 2025-07-28 14:08:55 UTC

2️⃣ The truth:
A CBDC (Central Bank Digital Currency) is not just a new PayPal.
It’s programmable, traceable, and centrally issued. That’s a whole new system.
Here’s how it differs from what we have today:
– 🏦 Who holds your account?
 Today: Commercial banks
 CBDC: Central bank


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[Post Link](https://x.com/honzacern1/status/1949834456375709821)