The Dawn of the Digital Dollar

What it means for your privacy and financial freedom

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The United States is far from alone in its CBDC ambitions. According to the IMF, more than half of the world’s

central banks are now either exploring or developing digital currencies5. In addition, the Atlantic Council’s

Central Bank Digital Currency Tracker6, reveals that countries representing 95% of global GDP are exploring

a CBDC with all G7 economies now in the development stage, and 18 of the G20 countries now in advanced

stages of digital currency development.

This enthusiastic global embrace of digital sovereign currencies does not, however, mean that every day

Americans are overly warm to the idea. A recent essay in Politico, called “The Digital Dollar’s Bipartisan

Problem,” outlines the skepticism and concerns on both sides of the U.S. political aisle:

“Opposition to centralized control of money is deep-seated in American political history — dating

back to fights over central banking that split the country’s founders … While populist fears that a

digital dollar could be used to enhance government power sound to many like the stuff of an Alex

Jones “Info Wars” episode, Steven Lubka, head of private clients and family offices at Swan Bitcoin,

an investment firm focused on the original digital asset, said that some sophisticated investors voice

the same concerns in private. They include fears that a CBDC will be used to implement a Chinese-

style social credit system, punish donors to politically disfavored causes, or impose quotas on meat

consumption.”7

5 https://www.imf.org/en/Publications/fandd/issues/2022/09/Picture-this-The-ascent-of-CBDCs

6 https://www.atlanticcouncil.org/cbdctracker/

7 https://www.politico.com/news/2023/06/13/the-digital-dollars-bipartisan-problem-00101694

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