Pakistan's State Bank is advancing its central bank digital currency research in 2026, with pilot designs that could reshape domestic payments and financial inclusion.
Central bank digital currencies are no longer a research curiosity. Over one hundred countries have active CBDC projects in various stages, from research to pilot to full launch. Pakistan's State Bank has joined this global movement with a formal digital rupee research program that has progressed to concrete pilot design in 2026, with implications that extend well beyond payments technology.\n\nThe State Bank's CBDC Design Choices\nPakistan's digital rupee pilot design has opted for a two-tier distribution model in which the State Bank issues digital rupee wholesale to commercial banks and pay...
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