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Canada Digital Canadian Dollar

Bank of Canada

Status

Overall Status:Research
Policy Stance:Neutral
Availability
Retailresearch
Wholesaleresearch

Architecture

Type:retail
Architecture:two-tier
Legal Tender:none

Cross-Border Projects

Project Agorá

Role: participant

active

Capabilities

offline payments
programmability
cross border
interest bearing
transaction limits

Frequently Asked Questions

Does Canada have a CBDC?

Yes, Canada is developing Canada Digital Canadian Dollar, currently in research phase.

What is the status of Canada's CBDC?

Canada Digital Canadian Dollar is in research phase as of 2026-02-18. The central bank is conducting research and feasibility studies.

When did Canada launch its CBDC pilot?

No pilot launch date has been announced yet. The project is currently in research phase.

How many people use Canada's CBDC?

User and wallet metrics are not publicly available at this time.

Is Canada's CBDC retail or wholesale?

Canada Digital Canadian Dollar is a retail CBDC designed for public use in everyday transactions.

Which central bank manages Canada Digital Canadian Dollar?

Canada Digital Canadian Dollar is managed by Bank of Canada.

Recent Developments

Bank of Canada concluded after multi-year research (2019-2024) that there is no compelling case for issuing a retail CBDC at this time. The bank continues to monitor the payments landscape and explore technical possibilities, but no development or pilot is currently planned.

Updated: 2/18/2026

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