Retail CBDCs
Retail CBDCs are designed for public use in everyday transactions between individuals and businesses. They aim to provide a digital alternative to cash that is issued and backed by the central bank.
16CBDCs
Key Use Cases
- Point-of-sale payments
- Peer-to-peer transfers
- E-commerce transactions
- Government benefit distribution
- Financial inclusion initiatives
Retail CBDCs Programs
PilotSupportive
Hong Kong e-HKD (Digital Hong Kong Dollar)
🏛Hong Kong Monetary Authority
Retail🤝mBridge(participant)
📴⚙️🌐
Updated Feb 2026View Details→
ResearchSupportive
Macau e-MOP (Digital Macanese Pataca)
🏛Monetary Authority of Macau
RetailUpdated Feb 2026View Details→
ResearchSupportive
UK Digital Pound (Britcoin)
🏛Bank of England
RetailUpdated Feb 2026View Details→
ResearchSupportive
EU Digital Euro
🏛European Central Bank
Retail📴🌐
Updated Feb 2026View Details→
LiveSupportive
Bahamas Sand Dollar
🏛Central Bank of The Bahamas
Retail👛
138Kwallets
💰
$2Mannual
✓
highconfidence
📴
Updated Feb 2026View Details→
LiveSupportive
Nigeria eNaira
🏛Central Bank of Nigeria
Retail💰
$11Mannual
✓
highconfidence
Updated Feb 2026View Details→
LiveSupportive
Jamaica JAM-DEX (Jamaica Digital Exchange)
🏛Bank of Jamaica
Retail👛
282Kwallets
💰
$2Mannual
✓
highconfidence
📴
Updated Feb 2026View Details→
PilotSupportive
Thailand Digital Thai Baht
🏛Bank of Thailand
Retail🤝mBridge(participant)
📴⚙️🌐
Updated Feb 2026View Details→
NoneProhibited
United States CBDC (Prohibited)
🏛Federal Reserve
Retail🤝Project Agorá(participant)
🌐
Updated Feb 2026View Details→
PilotSupportive
Japan Digital Yen
🏛Bank of Japan
Retail📴⚙️
Updated Feb 2026View Details→
PilotSupportive
Russia Digital Ruble
🏛Bank of Russia
Retail📴⚙️🌐
Updated Feb 2026View Details→
PilotSupportive
South Korea Digital Won
🏛Bank of Korea
Retail👛
52Kwallets
✓
highconfidence
📴⚙️
Updated Feb 2026View Details→
ResearchNeutral
Canada Digital Canadian Dollar
🏛Bank of Canada
Retail🤝Project Agorá(participant)
🌐
Updated Feb 2026View Details→
LiveSupportive
Cambodia Bakong (Digital Payment System)
🏛National Bank of Cambodia
Retail👛
10Mwallets
💰
$153Bannual
✓
highconfidence
🌐
Updated Feb 2026View Details→
PilotSupportive
Turkey Digital Turkish Lira
🏛Central Bank of the Republic of Türkiye
Retail📴⚙️
Updated Feb 2026View Details→
ResearchSupportive
Mexico MDBC (Moneda Digital del Banco Central)
🏛Banco de México
Retail🤝Project Agorá(participant)
⚙️
Updated Feb 2026View Details→
Comparison: Retail vs Wholesale
| Feature | Retail CBDC | Wholesale CBDC |
|---|---|---|
| Target Users | General public, consumers, businesses | Financial institutions, banks |
| Transaction Size | Small to medium (retail payments) | Large value (interbank settlements) |
| Access | Universal public access | Restricted to authorized institutions |
| Primary Goal | Cash digitization, financial inclusion | Settlement efficiency, risk reduction |
| Examples | China e-CNY, EU Digital Euro | Australia eAUD (pilot) |