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Patex is a complete crypto ecosystem with a primary focus on the development of trading, CBDC development, and crypto education in the LATAM region. New Cryptocurrency Launches to Invest in for 2024 One way to implement CBDCs would be for citizens to have accounts directly with the central bank . This would give governments powerful new ways of managing the economy—stimulus payments and other benefits could be credited to people directly, for example—and the central bank’s imprimatur would make CBDCs a safe digital asset to hold. But their introduction could also create new problems, experts say, by centralizing an enormous amount of power, data, and risk within a single bank and potentially compromising privacy and cybersecurity.