Central bank digital currencies (CBDCs) could drive inclusion and resilience by providing digital access to central bank money, but adoption depends on security, usability, and acceptance. Visa’s CBDC Payments Module prototype bridges CBDCs with existing payment rails, linking wallets to Visa cards for tap-to-pay, e-commerce, and mobile wallets. It enables offline use through secure chips, ensures merchants can accept CBDC without new infrastructure, and supports programmability for targeted disbursements. By leveraging existing networks and ensuring interoperability, CBDCs can scale responsibly while protecting privacy and promoting financial innovation.

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