The emergence of central bank digital currencies (CBDCs) is inevitable. Research on CBDC design and implementation is under way around the world. China is seven years into the process and has pilot programmes for the e-CNY, or digital yuan. The European Central Bank aims to introduce one by 2025. The Bank of England and Federal Reserve, however, are moving more slowly. And I think they’re right. What’s inevitable isn’t necessarily what’s optimal.
央行数字货币(CBDC)的出现是不可避免的。针对CBDC设计和实施的研究正在世界各地进行。manbetx3.0 推进这个过程已有7年，并且已经有了e-CNY（数字人民币）试点计划。欧洲央行(ECB)的目标是到2025年推出一种CBDC。然而，英国央行(Bank of England)和美联储(Federal Reserve)动作较慢；我认为他们是对的。不可避免的事物不一定是最优的。
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