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Over 100 countries (including China with the e-CNY) are testing CBDCs. These are digital versions of fiat money, issued by the central bank. Unlike crypto, they are not volatile. Unlike cash, they are programmable. A government could issue a CBDC that expires if not spent within a month (to stimulate the economy).

This guide covers the core elements of modern payment systems, whether you are a consumer managing bills or a business setting up processing. 1. Common Payment Methods payment