Attention, crypto enthusiasts! 🌟 The Bank for International Settlements (BIS) proposes a hybrid architecture for CBDCs, combining issuance by central banks and consumer services by commercial banks. Although they promise privacy, CBDCs face criticism for systemic risks and privacy concerns. Meanwhile, in the U.S. and Canada, resistance is growing. In Europe, some are calling to abandon CBDCs and adopt Bitcoin. What do you think? Leave us your comment!