Which statement about CBDC adoption is accurate?

Which statement about CBDC adoption is accurate?

• A. CBDCs are universally adopted in major economies
• B. CBDCs are government-backed digital currencies issued by central banks, with adoption varying by country and not universal
• C. CBDCs are private sector tokens backed by banks
• D. CBDCs are physical coins

Answer: (B)

CBDCs are government-backed digital currencies issued by a country’s central bank, serving as digital form of the national money. They’re state liabilities, not private tokens, and they exist in contrast to physical cash. Across different nations, the pace and extent of adoption vary—from full launches to pilots to ongoing research—so you don’t see universal adoption. This combination—central-bank backing with uneven rollout—best matches the statement.

CBDCs are government-backed digital currencies issued by a country’s central bank, serving as digital form of the national money. They’re state liabilities, not private tokens, and they exist in contrast to physical cash. Across different nations, the pace and extent of adoption vary—from full launches to pilots to ongoing research—so you don’t see universal adoption. This combination—central-bank backing with uneven rollout—best matches the statement.