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50 Use Cases for Central Bank Digital Currencies (CBDCs)

By Darren Mack Central Bank Digital Currencies (CBDCs) have the potential to revolutionize financial services, streamline government operations, and enhance the provision of state and local services.  Here are 50 use cases for CBDCs that can benefit state and local services: Financial Inclusion: 1. Universal Basic Income (UBI): Distributing UBI payments directly to citizens' digital wallets. 2. Social Welfare Payments: Efficient distribution of welfare benefits, reducing fraud and costs. 3. Financial Literacy Programs: Providing digital wallets for educational purposes to teach financial skills to underserved communities. 4. Microloans: Offering small loans to entrepreneurs and small businesses in underserved areas. 5. Remittances: Lowering fees and improving accessibility for cross-border remittances. 6. Disaster Relief: Rapidly distributing emergency funds to affected individuals during disasters. Government Efficiency: 7. Tax Collection: Streamlining tax payments and reducing ta

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