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# Central banks race to launch CBDCs while struggling to attract users
- URL: https://adjacent.media/signals/central-banks-race-to-launch-cbdcs-while-struggling-to-attract-users/
- Published: 2026-08-24T16:07:37.000Z
- Updated: 2026-08-24T16:07:37.000Z
- Description: The CBDC push reveals genuine regulatory anxiety: USD-denominated stablecoins like USDC and USDT now move billions daily across borders with minimal friction, potentially eroding central bank control over domestic money supply and cross-border capital flows.
- Author: Jonathan Greene
- Tags: #signal, theme-commerce, payments, Fintech, monetary policy

Source: [Bloomberg](https://www.bloomberg.com/opinion/articles/2026-08-23/central-bank-digital-currencies-are-no-match-for-dollar-stablecoins?ref=adjacent.media) (paywall)

The CBDC push reveals genuine regulatory anxiety: USD-denominated stablecoins like USDC and USDT now move billions daily across borders with minimal friction, potentially eroding central bank control over domestic money supply and cross-border capital flows. Adoption data shows citizens and institutions have little incentive to switch. Existing stablecoins are faster, cheaper, and more liquid than government-issued digital currencies. CBDCs risk becoming expensive infrastructure few actually want to use, which explains why major deployments remain limited to pilots and interbank experiments rather than live consumer payments.