{"id":30730,"date":"2025-06-10T12:00:00","date_gmt":"2025-06-10T10:00:00","guid":{"rendered":"https:\/\/salvadorvilalta.com\/?p=30730"},"modified":"2025-06-09T18:09:13","modified_gmt":"2025-06-09T16:09:13","slug":"cbdc-central-bank-digital-currency-financial-innovation-or-danger-to-your-freedom","status":"publish","type":"post","link":"https:\/\/salvadorvilalta.com\/en\/cbdc-central-bank-digital-currency-financial-innovation-or-danger-to-your-freedom\/","title":{"rendered":"CBDC (Central Bank Digital Currency): Financial innovation or danger to your freedom?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30730\" class=\"elementor elementor-30730 elementor-30651\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a3a131f e-flex e-con-boxed e-con e-parent\" data-id=\"5a3a131f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d91298d sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"5d91298d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Can you imagine if the government decided that your money had an expiration date? That the 100 euros you have in your account are only worth if you spend them before the end of the month. If you don&#8217;t, they disappear. What if you could only use them in certain stores or to buy \u201cauthorized\u201d products?      <\/p>\n<p>It&#8217;s not science fiction, it&#8217;s a real possibility in the not-so-distant future thanks to <b>CBDCs<\/b> &#8211; the new digital currencies that the world&#8217;s central banks are beginning to design.<\/p>\n<p>Let&#8217;s see exactly what they are and why they are generating so much controversy.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5418cbcf e-flex e-con-boxed e-con e-parent\" data-id=\"5418cbcf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4de79ba5 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"4de79ba5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are CBDCs?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11835b1c e-flex e-con-boxed e-con e-parent\" data-id=\"11835b1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30e4e5f7 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"30e4e5f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>CBDCs, or Central Bank Digital Currencies, <\/b>are basically <b>the digital version of the physical money we use every day,<\/b> such as banknotes or coins. But with one crucial difference: they are issued directly by a country&#8217;s central bank, such as the European Central Bank, the U.S. Federal Reserve or the People&#8217;s Bank of China. <\/p>\n<p>Unlike the money you have today in your bank account (which goes through commercial banks), CBDCs <b>would be managed exclusively by the central bank, without intermediaries.<\/b> In other words, a direct relationship between you and the state for your day-to-day finances. Sounds practical&#8230; until you start to see the possible uses behind the curtain. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51dc3dc1 e-flex e-con-boxed e-con e-parent\" data-id=\"51dc3dc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2afdd997 sc_fly_static elementor-widget elementor-widget-video\" data-id=\"2afdd997\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/CBM24TkUWFs?si=iEJpmQrawwpKyiRx&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13a1654d e-flex e-con-boxed e-con e-parent\" data-id=\"13a1654d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-386ba533 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"386ba533\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why are they being implemented (and why shouldn't they be)?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7aa4c5d8 e-flex e-con-boxed e-con e-parent\" data-id=\"7aa4c5d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5539a437 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"5539a437\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Governments say that CBDCs seek to modernize the economy, combat fraud, make transactions faster and safer, and ensure financial inclusion.<\/p>\n<p>But here&#8217;s something that&#8217;s a little bit strange: we already have fast and efficient means such as Bizum, contactless cards, immediate transfers&#8230; even cryptocurrencies. So do we really need another option? <\/p>\n<p>Many analysts agree that the underlying reason is not technical, but political:<b> CBDCs would allow total control of individual financial transactions<\/b>. In other words, the state could know exactly what, when and where you spend your money. And that completely changes the rules of the game.  <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69080e6 e-flex e-con-boxed e-con e-parent\" data-id=\"69080e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b1df58 sc_fly_static elementor-widget elementor-widget-video\" data-id=\"2b1df58\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/XHkzRwB-Als?si=vI8cceat4-igwZhj&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-503915a6 e-flex e-con-boxed e-con e-parent\" data-id=\"503915a6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abfb6d1 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"abfb6d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Risks of CBDCs: your money could have an expiration date<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69044da4 e-flex e-con-boxed e-con e-parent\" data-id=\"69044da4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48c07b75 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"48c07b75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is where one of the most controversial aspects comes in: <b>programmable money<\/b>.<\/p>\n<p>With a CBDC, the central bank could set rules on how you use your money. I have given you an example at the beginning of this content. In fact it is feasible and the risk that we have of them using this functionality is real&#8230;  <\/p>\n<p>This type of measure is not a conspiracy theory, it is already happening in different areas with spurious purposes such as reactivating specific sectors or forcing the reactivation of consumption.<\/p>\n<p>In addition, with a CBDC, negative interest rates could be applied directly to your account: if the central bank decides to do so, your balance can be automatically reduced each month to &#8220;prevent you from accumulating money. Imagine your savings being reduced without you doing anything wrong. Is it fair? Is it ethical?     <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36d7dc81 e-flex e-con-boxed e-con e-parent\" data-id=\"36d7dc81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-546fa2f4 sc_fly_static elementor-widget elementor-widget-image\" data-id=\"546fa2f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-1024x559.jpeg\" class=\"attachment-large size-large wp-image-30694\" alt=\"CBDC Central Bank Digital Currency El Blog Salvador Vilalta\" srcset=\"https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-1024x559.jpeg 1024w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-300x164.jpeg 300w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-768x419.jpeg 768w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-1536x838.jpeg 1536w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-2048x1117.jpeg 2048w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-370x202.jpeg 370w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-840x458.jpeg 840w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/CBDC-CENTRAL-BANK-DIGITAL-CURENCY-410x224.jpeg 410w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7213ee13 e-flex e-con-boxed e-con e-parent\" data-id=\"7213ee13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d2315b1 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"3d2315b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Real examples of control using CBDCs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d6b9fc5 e-flex e-con-boxed e-con e-parent\" data-id=\"3d6b9fc5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fa6d2ef sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"3fa6d2ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>These scenarios are already happening. Here are two real cases: <\/p>\n<ul>\n<li><b>China <\/b>launched a pilot with its <b>digital yuan,<\/b> where the money received by citizens had to be spent within a specific period of time. It was not a suggestion: if they did not use it, it disappeared. This, in practice, turns the central bank into a kind of financial manager of your daily life.  <\/li>\n<li><b>Nigeria<\/b>, for its part, implemented <b>e-Naira.<\/b> The problem? Clear limitations on how much could be held and spent. The use of traditional cash was restricted and citizens were forced to operate digitally. Result: more state control and less individual freedom.   <\/li>\n<\/ul>\n<p>These cases show how<b> CBDCs can become tools for directing economic behavior, rather than simply facilitating it.<\/b><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69991b13 e-flex e-con-boxed e-con e-parent\" data-id=\"69991b13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56a1cb8d sc_fly_static elementor-widget elementor-widget-image\" data-id=\"56a1cb8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"896\" height=\"504\" src=\"https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/Donald-Trump-.jpg\" class=\"attachment-large size-large wp-image-30705\" alt=\"Donald Trumo Blog Salvador Vilalta\" srcset=\"https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/Donald-Trump-.jpg 896w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/Donald-Trump--300x169.jpg 300w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/Donald-Trump--768x432.jpg 768w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/Donald-Trump--370x208.jpg 370w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/Donald-Trump--840x473.jpg 840w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/Donald-Trump--410x231.jpg 410w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/Donald-Trump--270x152.jpg 270w\" sizes=\"(max-width: 896px) 100vw, 896px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10ee07e e-flex e-con-boxed e-con e-parent\" data-id=\"10ee07e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d000be8 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"2d000be8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why did Trump put the brakes on CBDC in the U.S.?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f9f2d6 e-flex e-con-boxed e-con e-parent\" data-id=\"8f9f2d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bcf45c8 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"bcf45c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Donald Trump has just put the brakes on the development of a CBDC in the U.S. The reason? He believes that these digital currencies could pose a direct risk to the privacy and financial freedom of citizens.  <\/p>\n<p><b>According to Trump, secure and fast methods of making digital payments already exist<\/b>. Adding a layer of state control &#8211; with the ability to track and condition every transaction &#8211; is not only unnecessary, but dangerous. And while his stance has been controversial, it reflects a growing concern in American society: do we want a financial system where every expenditure can be monitored from above?  <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-92458df e-flex e-con-boxed e-con e-parent\" data-id=\"92458df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bf60af sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"0bf60af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CBDCs and Artificial Intelligence: a disturbing combination?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42df086 e-flex e-con-boxed e-con e-parent\" data-id=\"42df086\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d1066c sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"9d1066c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It now takes this concept one step further.<\/p>\n<p>Imagine that, in addition to the central bank, an artificial intelligence analyzes your financial habits in real time. Not only does it know what you buy, but it can also detect patterns, anticipate decisions and set limits automatically. <\/p>\n<p>For example, an algorithm could decide that you cannot spend more than 10% of your salary on entertainment, or that you can only use your money in certain sectors according to the current economic policy. It&#8217;s like having a kind of \u201cstate economic advisor\u201d that you can&#8217;t disobey. <\/p>\n<p>Far from being a Black Mirror episode, this scenario is technically within reach. And it raises an essential question: to what extent are we willing to cede our autonomy to automated systems? <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e24c00 e-flex e-con-boxed e-con e-parent\" data-id=\"3e24c00\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1af0e4 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"c1af0e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CBDCs at the Madrid Economic Forum<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff44492 e-flex e-con-boxed e-con e-parent\" data-id=\"ff44492\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b97db10 sc_fly_static elementor-widget elementor-widget-image\" data-id=\"b97db10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-1024x768.jpg\" class=\"attachment-large size-large wp-image-30663\" alt=\"Marc Vidal Madrid Economic Forum\" srcset=\"https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-1024x768.jpg 1024w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-300x225.jpg 300w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-768x576.jpg 768w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-1536x1152.jpg 1536w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-2048x1536.jpg 2048w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-370x278.jpg 370w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-840x630.jpg 840w, https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2025\/06\/MarcVidal-MEF-410x308.jpg 410w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d192615 e-flex e-con-boxed e-con e-parent\" data-id=\"1d192615\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73a39cda sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"73a39cda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>I had the opportunity to participate this week in this interesting economic event in which Marc Vidal, interviewed by Jos\u00e9 Antonio Viznez of Negocio TV, addressed precisely this topic.<\/p>\n<p>I fully agree with Marc when he <span style=\"background-color: transparent;\">clearly<\/span> differentiates between CBDCs and decentralized cryptocurrencies such as Bitcoin. Also when he warns of <b>the risks involved in their implementation, especially in terms of privacy and state control<\/b><span style=\"font-size: 16px; background-color: transparent; letter-spacing: 0px;\"><b> over transactions<\/b><\/span>  <b>.<\/b>The latter derives most certainly in <b>financial surveillance and restriction of individual freedoms.<\/b><\/p>\n<p><span style=\"font-size: 16px; background-color: transparent; letter-spacing: 0px;\">Don&#8217;t be fooled, they will tell you that using the Euro CBDC is for your own good, for your security, to avoid I don&#8217;t know what nonsense&#8230; They are not necessary, we don&#8217;t need them and my position is that of total opposition to their implementation, since they are a de facto Trojan horse to keep us totally under control.<\/span><\/p>\n<p>Just in case we<b> start using cash again <\/b>, since it is the only way to do (more or less) what we want with our money, in short, to be free. And please, let&#8217;s be absolutely critical with this frontal attack against our privacy&#8230;. there is still time.  <\/p>\n<p>Let&#8217;s remember what happened recently with the blackout in Spain. How many of you had problems buying basic things because you didn&#8217;t have cash? &nbsp;  This is all nonsense!<\/p>\n<p>What do you think about CBDCs? Would you use them? Do you still think cash is unimportant? Let me know in the comments. I&#8217;d love to hear from you.    <\/p>\n<p><span style=\"font-size: 16px; background-color: transparent; letter-spacing: 0px;\">Have a good week!<\/span><\/p>\n<p><span style=\"font-size: 16px; background-color: transparent; letter-spacing: 0px;\">&nbsp;<\/span><\/p>\n<p><span style=\"font-size: 16px; background-color: transparent; letter-spacing: 0px;\"><b>LINKS OF INTEREST:<\/b><\/span><\/p>\n<p><a href=\"https:\/\/www.wired.com\/story\/digital-yuan-china-bitcoin-libra\" target=\"_blank\" rel=\"noopener\">China&#8217;s digital yuan is a warning to the world-Wired<\/a> | <a href=\"https:\/\/www.forbes.com\/sites\/saradorn\/2024\/02\/02\/trump-calls-central-bank-digital-currency-very-dangerous-after-vowing-to-prohibit-feds-digital-dollar\/\" target=\"_blank\" rel=\"noopener\">Trump Calls Central Bank Digital Currency \u201cVery Dangerous\u201d-After Vowing To Prohibit Fed&#8217;s \u201cDigital Dollar\u201d<\/a> | <a href=\"\/2023\/04\/28\/nigerias-enaira-cbdc-what-went-wrong\/\" target=\"_blank\" rel=\"noopener\">Nigeria&#8217;s eNaira CBDC: What Went Wrong?-Cornell University<\/a> | <a href=\"https:\/\/www.industryweek.com\/the-economy\/trade\/article\/21174069\/chinas-digital-yuan-is-all-about-dataand-perhaps-control\">China&#8217;s Digital Yuan Is All About Data-and, Perhaps, Control- Industru Week<\/a><\/p>\n<p><span style=\"font-size: 16px; background-color: transparent; letter-spacing: 0px;\">&nbsp;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28fbfff9 e-flex e-con-boxed e-con e-parent\" data-id=\"28fbfff9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-650d0725 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in sc_fly_static elementor-widget elementor-widget-call-to-action\" data-id=\"650d0725\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/salvadorvilalta.com\/wp-content\/uploads\/2024\/01\/Salva_Suscribir-1024x484.png);\" role=\"img\" aria-label=\"Salvador Vilalta Blanco Suscribir\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\t\u00bfTe ha gustado este contenido?\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tSi te ha gustado este contenido y quieres acceder a contenido exclusivo para suscriptores, <b>suscr\u00edbete ahora<\/b>. Agradezco de antemano tu confianza\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjMwNzAsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\tQuiero Suscribirme\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Can you imagine if the government decided that your money had an expiration date? That the 100 euros you have in your account are only worth if you spend them&hellip;<\/p>\n","protected":false},"author":2,"featured_media":30689,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[240,13,211],"tags":[],"class_list":["post-30730","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ia","category-personal","category-reflexiones"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CBDC (Central Bank Digital Currency): Financial innovation or danger to your freedom? - Salvador Vilalta<\/title>\n<meta name=\"description\" content=\"CBDC (Central Bank Digital Currency): Financial innovation or danger to your freedom? 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