Central Bank Digital Currency (CBDC)
Modernizing Monetary Systems with CBDC
Design and implement secure, interoperable, and future-ready CBDC platforms with DigiDevo.
The Opportunity: A New Era of Sovereign Currency
Central banks around the world are exploring CBDCs to strengthen financial systems, enhance monetary policy, and foster financial inclusion. While traditional payment systems remain effective, they face limitations:
Limited Reach
Millions remain unbanked or underbanked.
Inefficiency
Cross-border settlement remains costly and slow.
Lack of Programmability
Existing money cannot embed automated policies.
Systemic Risk
Heavy reliance on private payment infrastructures creates vulnerabilities.
Our Solution: CBDC as a Service
DigiDevo delivers a turnkey CBDC framework that allows central banks to explore, pilot, and scale digital currency projects without compromising control or security.
Core Features
Dual-Tier Architecture
Wholesale and retail CBDC models.
Offline Transactions
Support payments without internet connectivity.
Interoperability
Cross-border and multi-currency exchange.
Programmable Money
Smart contracts for fiscal automation.
Cybersecurity & Compliance
Military-grade security, AML/CFT, auditability.
Conceptual Flow: CBDC Issuance and Circulation
Central Bank
CBDC Issuance
Distribution Layer
Banks & PSPs
End Users
Citizens & Businesses
Circulation
Payments & Transfers
This diagram illustrates the CBDC issuance and circulation flow from central bank to end users.
Use Cases
Financial Inclusion
Extend access via mobile wallets.
G2P Payments
Direct subsidy distribution.
Cross-Border Remittances
Faster, cheaper, transparent payments.
Programmable Fiscal Tools
Automate disbursements, taxes, conditional transfers.
Wholesale Interbank Settlement
Real-time gross settlement and liquidity.
Technical Architecture
Our CBDC platform is built on enterprise-grade infrastructure designed for central bank requirements:
Core Technology Stack
| Component | Our Recommended Technology | Purpose |
|---|---|---|
| DLT Options | Hyperledger Besu, Corda, Ethereum-based | Enterprise-grade permissioned networks for central bank requirements |
| Smart Contracts | Solidity, Go, Java | Compliance automation, fiscal policies, and conditional transfers |
| Integration Layer | REST/GraphQL APIs | Secure connections to PSPs, RTGS, and existing banking infrastructure |
| Security | HSM, IAM, Zero-Trust | Military-grade security with hardware key management |
| Infrastructure | Redundant Cloud/On-Premise | High availability with disaster recovery and offline-first capabilities |
| Compliance | AML/CFT Engine, Audit Trail | Real-time monitoring and complete transaction auditability |
Why Partner with DigiDevo?
We understand both the technical complexities and regulatory sensitivities of CBDC. Backed by decades of enterprise delivery experience and blockchain expertise, DigiDevo ensures central banks can safely transition into the era of digital money.
Technical Expertise
Deep understanding of blockchain and central banking requirements
Regulatory Knowledge
Experience with global financial regulations and compliance frameworks
Enterprise Delivery
Decades of experience delivering mission-critical financial systems
Lead the Future of Sovereign Money
CBDCs are shaping the future of financial systems worldwide. Be among the pioneers leading this transformation.