Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. CBDC pilot requirements are set by individual central banks and vary significantly. This tool provides a general readiness framework — verify specific requirements with the relevant central bank and your legal advisers before committing to pilot participation. Not a substitute for regulatory guidance. Deterministic logic · no inference · zero PII · CC BY 4.0.

Institution & Pilot Profile

Institution Type

Pilot Engagement Stage

Target CBDC Pilot(s)

Digital Euro (ECB)

Preparation phase 2023–2025. Intermediary model.

Fed / FedNow Adjacent

US wholesale CBDC experiments. Project Hamilton follow-on.

mBridge (BIS / Multi-CBDC)

Cross-border CBDC. BIS, HKMA, BoT, CBUAE, PBoC.

Bank of England

Design phase. Consultation ongoing. No live pilot yet.

MAS / Project Orchid

Singapore. Purpose-bound money experiments.

Other CBDC Programme

Brazil Drex, India CBDC, UAE, etc.

Technology Readiness (score 1–5)

1 = None / Not started · 3 = In development · 5 = Production-ready today

Core banking / DLT integration

Ledger supports tokenized assets or CBDC node connection

API connectivity for CBDC node

REST/gRPC APIs for CBDC platform integration

Real-time gross settlement (RTGS)

RTGS connectivity or equivalent instant finality capability

Smart contract interaction

Ability to call/deploy smart contracts for programmable money

HSM / Key management

Hardware security module for CBDC key custody

24/7/365 operations

Can operate CBDC infrastructure continuously without downtime

Legal & Regulatory Readiness

Legal opinion on CBDC custody obligations obtainedExternal legal advice on CBDC holding, liability, and custody framework Authorisation covers CBDC activitiesCurrent banking/payments licence explicitly covers CBDC intermediary role Cross-border legal clarity (for multi-CBDC)Legal framework for cross-jurisdictional CBDC transfers assessed Privacy law compliance assessed (GDPR/local)CBDC transaction data handling reviewed against data protection law Consumer/counterparty liability framework definedLiability allocation for CBDC transaction errors documented

AML / KYC Readiness

AML/KYC framework covers CBDC transactionsTransaction monitoring rules updated for CBDC flows including programmable payments TM can handle CBDC-specific patternsMonitoring for atomic swaps, smart contract triggers, programmable money Travel Rule compliance for wholesale CBDCOriginator/beneficiary info transfer in CBDC wholesale transactions Sanctions screening integrated with CBDC flowReal-time sanctions check on CBDC counterparties before settlement

Liquidity & Operations

Intraday liquidity model updated for CBDC finalityInstant finality means intraday credit facility assumptions change Access to central bank CBDC liquidity facilitiesConfirmed ability to participate in CBDC repo / collateral facilities Collateral systems support CBDC as collateralCBDC can be used as eligible collateral in internal margining Dedicated CBDC project team in placeNamed project manager, tech lead, compliance lead for CBDC programme Technology vendor / partner selectedDLT platform partner or CBDC node provider identified and engaged Interoperability testing with participants doneAt least sandbox-level testing with other pilot participants completed

CBDC Pilot Participation Readiness Assessor