5.4 Payments Integration with existing payment systems: CBDC should be designed to integrate with commercial banks, non-bank payment service providers and other digital payment platforms. This integration ensures that CBDC can operate with traditional payment solutions and enables easy transferability between CBDC and existing payment instruments. Compatibility with digital wallets and mobile applications: CBDC should be compatible with a range of digital wallets and mobile applications, allowing users to store, transfer and transact with CBDC. Interoperability principles should ensure compatibility across various operating systems and devices to promote widespread user adoption and use. Compatibility with other CBDCs: There are several types of CBDC use cases emerging from pilots and projects. For example, CBDC can take the form of digital cash, purpose-bound money, digital settlement asset or as a monetary “anchor” for tokenized private money. Compatibility with other payment choices: Other forms of digital payments, such as cryptocurrencies, stablecoins, bank coins, tokenized assets, need to be considered and be able to interoperate with CBDC. Automation of payments: CBDC interoperability should focus on the automation of integrations prioritizing system-wide processing of incoming and outgoing messages, thus dramatically reducing or eliminating the need for pre- or post-processing being done outside the CBDC system itself. Central Bank Digital Currency Global Interoperability Principles 30
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