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Moving Profits To Your Bank (Turning Cryptocurrency into CASH)Central Bank Digital Currency (CBDC) is a digital form of central bank money that offers central banks unique advantages at the retail and wholesale levels. Digital money refers to encrypted tokens or "coins". Those can be stored on a decentralised and distributed online ledger using blockchain technology. This. Digital currency are digital formats of currencies that do not exist in physical form. They can lower transaction processing costs and enable seamless transfer.