Tool 53 · Compliance & Strategy

CBDC Architecture
Comparator

Compare central bank digital currency architectural choices across three canonical design axes: distribution model, claim type, and access scope. Maps selections to live jurisdictional implementations with AML, privacy, and interoperability tradeoff analysis.

Zero PII · Client-Side Only 8 Live Jurisdictions MiCA · SAMA · BIS CPMI AI Layer Available
Design Axes 3 selections → results
Axis 1 · Distribution Model
How is the CBDC issued and distributed?
Axis 2 · Claim Type
What does the instrument represent?
Axis 3 · Access Scope
Who can access this CBDC?
Jurisdiction Filter
Regulatory jurisdiction (optional)
⚡ AI Layer — v2 Paste a central bank consultation paper to auto-extract architectural constraints and pre-populate the comparator using Claude Sonnet. Available in the AI Suite tier.
CBDC Architecture Report
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No Architecture Selected
Select the three design axes and click Compare Architecture to see matched implementations, tradeoff analysis, and regulatory mapping.
About This Tool▾

What it does: This tool maps the three canonical CBDC architectural design axes — distribution model, claim type, and access scope — to known jurisdictional implementations. It surfaces AML/CFT implications, privacy tradeoffs, and ISO 20022/SWIFT interoperability status for each combination. The static reference data is sourced from BIS CPMI publications, IMF working papers, and central bank technical specifications.

Terminology note: This tool deliberately avoids the terms "blockchain," "Web3," and "wallet." It uses "programmable settlement rail," "token-based instrument," and "participant identity" throughout, consistent with BIS CPMI and CPSS terminology.

Limitations: CBDC pilot status changes rapidly. All implementation data reflects publicly available information as of Q2 2026. Confirm current status with the relevant central bank before any architecture decision.

Privacy Statement▾

All processing happens in your browser. No data is transmitted to any server. No analytics, no cookies, no telemetry. Your selections never leave your device.