![What Is a Central Bank Digital Currency? A Brief Guide to CBDCs What Is a Central Bank Digital Currency? A Brief Guide to CBDCs](https://digitallifegaming.com/wp-content/uploads/2023/11/C3AO7CVUKFET7JEHXXFZUR3FBY-768x402.png)
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For CBDCs, the central bank controls the digital currency and oversees transactions, potentially allowing it to take actions such as freezing funds, blacklisting digital wallet addresses, and directly incentivizing individuals to spend their money (as opposed to saving it), especially if the CBDC is programmable.
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