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Hybrid CBDCs
Hybrid CBDC profiles combine public and institutional usage models in one program design.
Typical Use Cases
- Retail + wholesale layers
- Programmable use cases
- Mixed-access infrastructure
Hybrid Program Profiles
Retail vs Wholesale Reference
| Feature | Retail | Wholesale |
|---|---|---|
| Primary users | Individuals and businesses | Financial institutions |
| Typical transaction size | Small to medium | Large-value |
| Primary function | Day-to-day payments | Settlement infrastructure |