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Many Central Banks globally are interested in CBDC in 2020. However, most of the IMF member countries do not have a clear policy regarding CBDC, and other digital currencies

According to the IMF, 80% of central banks either by their own laws are not allowed to issue CBDCs, or the legal framework is not clear. Only forty IMF member countries have the right to issue CBDCs.

The International Monetary Fund focuses on one more point. The issuance of a national digital currency implies that anyone in a given jurisdiction should have access to it.

However, not everyone has the knowledge and technical capabilities (computer, internet connection) to use CBDC on a regular basis. This can create problems for the financial infrastructure.

A means of payment that cannot be accessed cannot have legal tender status. It is necessary to create an infrastructure for accepting the national digital currency to provide the population with technical means and knowledge.

As such, granting legal status to a CBDC can be difficult. And if the CBDC does not have legal tender status, the central bank's cryptocurrency will not be able to have currency status. This is a clear dissonance.

Representatives of the IMF made public their reflections on this topic back in November. They emphasized that the introduction of CBDC should be preceded by careful analysis and discussion and the development of a unified CBDC policy.