CBDC LLC · independent information resource

Your plain guide to digital central bank money.

A central bank digital currency is a digital form of a country's official money, issued directly by its central bank. CBDC LLC explains what they are, where each country stands, and what the shift could mean for you, your savings, and your business.

Explore the World Tracker What is a CBDC?

The world is moving

Research, pilots, launches, and legislation

~137

countries exploring a CBDC

covering about 98% of world GDP

fully launched retail CBDCs

The Bahamas, Jamaica, Nigeria

3.48bn

e-CNY transactions

processed in China by November 2025

2029

earliest digital euro issuance

if EU legislation is in place

Figures and statuses reviewed 14 October 2026. They can change quickly.

What exactly is a digital euro?

What exactly is a digital euro?Council of the EU · 1:17

Understand the basics

Learn how CBDCs differ from bank deposits, stablecoins, and cryptocurrencies.

Read the guide

Track every programme

Search 177 projects across the world, from early research to full-scale launch.

Open World Tracker

Stay informed, not alarmed

Clear context on privacy, holding limits, programmability, and what changes for businesses.

Get ready