Picture this: It’s 2030. You walk into a coffee shop, tap your phone, and pay instantly. No bank fees. No waiting for settlement. But behind the scenes, your central bank knows exactly what you bought, when, and where. At the same time, you can send money to a friend across the world using a cryptocurrency … Sigue leyendo Central Bank Digital Currencies (CBDCs) vs. Cryptocurrencies: What It Means for Your Everyday Money in 2030