The debate over a central bank digital currency (CBDC) or “digital dollar” has become one of the most divisive issues in US finance and politics. Proponents believe that a digital dollar would help modernize payments, solidify the currency’s global position, and boost financial inclusion. Skeptics see it as opening the way for surveillance, financial censorship, and over-centralization. The conversation is now at the center of legislation, executive orders, and a deepening divide between the US and the rest of the world. For investors, businesses, and crypto users, understanding the debate is now essential because ... (full story)