Countries with most research into interbank CBDC 2021-2023

Project Inthanon-Lionrock ranked as the world's most advanced Central Bank Digital Currencies (CBDC) project for financial institutions in the world. CBDC are essentially cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH), but instead of being privately issues these are to be issued by central banks. The numbers provided here, however, should not be confused with China's digital yuan or Sweden's e-krona: Those are examples of retail CBDC, aimed at replacing banknotes and physical coins for day-to-day consumer use. The figures shown here are wholesale CBDC: Central banks applying blockchain technology not for consumer use, but aimed towards an application in banking processes. This includes things like cross-border payments between banks or optimizing clearing and financial settlements. Improving cross-border payments was not the main driver for central banks on why they should develop a CBDC.

Inthanon-Lionrock项目被评为全球最先进的面向金融机构的中央银行数字货币（CBDC）项目。中央银行数字货币本质上类似于比特币（BTC）和以太坊（ETH）这类加密货币，但其发行并非由私人机构负责，而是由中央银行承担。然而，此处所提供的数字不应与中国的数字货币或瑞典的电子克朗相混淆：这些是面向零售领域的CBDC，旨在取代日常消费中的纸币和实体硬币。此处所展示的是批发型CBDC：中央银行运用区块链技术并非针对消费者使用，而是旨在银行流程中的应用。这包括跨境银行支付或优化清算和金融结算等方面。改善跨境支付并非中央银行发展CBDC的主要驱动因素。