cbdcinteroperabilitycross-border
CBDC interoperability: models under development
Exploring the technical and policy challenges of making CBDCs work across borders.
2026.01.15
12 min min read
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Interoperability between CBDCs from different countries is one of the greatest technical and political challenges of the next decade. This insight explores the models under development.
Interoperability Models
Hub Model
A central system connecting multiple CBDCs, like the BIS mBridge project.
Bilateral Model
Direct agreements between central banks for CBDC exchange.
Bridge Model
Use of blockchain protocols to connect different CBDC networks.
Technical Challenges
- Protocol standardization
- Security and privacy
- Scalability
- Real-time settlement
Geopolitical Implications
CBDC interoperability architecture will have profound implications for the international monetary system and dollar hegemony.