Opinion: Proceed with caution on central bank digital currency

Central bank digital currency, or CBDC, is the hot topic in economics and finance. The idea is that official monetary authorities can harness the technology that gave us bitcoin and other cryptocurrencies, but without the volatility.

CBDC could consist of secure computer-code equivalents of conventional money created by the central bank and credited — securely and swiftly — to accounts belonging to the general public.

Stirring speculation that it intends to create an alternative to the dollar in global finance, China has already introduced a prototype digital yuan, via a mobile phone app that more than 100,000 people have been using […]

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