Status
NONE
United States
United States CBDC (Prohibited)
According to Federal Reserve disclosures and linked sources, this profile records status, architecture, and capability fields for United States CBDC (Prohibited).
Program Snapshot
Current status fields and timeline data from the profile record.
Type
RETAIL
Program classification
Wallets
Not listed
Annual Volume
Not listed
Status and Timeline
| Field | Value |
|---|---|
| Announced | Not listed |
| Pilot start | Not listed |
| Launch | Not listed |
| Last verified | 2026-02-18 |
Availability
- Retail
- none
- Wholesale
- none
Central Bank
Federal Reserve
Technical Profile
| Attribute | Value |
|---|---|
| Type | Retail |
| Architecture | two-tier |
| Access model | account based |
| Technology base | unknown |
| Legal tender | none |
Capabilities
offline payments: No
programmability: No
cross border: Yes
interest bearing: No
transaction limits: Yes
Cross-Border Projects
Project Agorá
Role: participant
Recent Updates
According to the Federal Reserve, retail CBDC development is explicitly prohibited at the federal level as of January 2025 via Executive Order. However, the Fed published its foundational 'Money and Payments' report on January 20, 2022, which defined a CBDC as 'a digital liability of the Federal Reserve that is widely available to the general public.' The report outlined potential benefits including payment efficiency, cross-border improvements, and public access to central bank money as cash usage declined from 40% of transactions in 2012 to 19% by 2020. The Fed stated it would not proceed with CBDC issuance without clear support from the executive branch and Congress, ideally in the form of specific authorizing law. The Fed continues technical research into wholesale CBDC through Project Agorá for cross-border settlements. FedNow, launched as a real-time gross settlement service, represents incremental payment system modernization distinct from CBDC development.
Updated: Feb 18, 2026
Reference Answers
What is the current US federal CBDC position, and does the registry cover state-level anti-CBDC actions?
high confidenceAs of 2026-04-18The registry currently tracks the federal position: no active US retail CBDC launch path and an explicitly non-pursuing posture in the current snapshot. State-level anti-CBDC actions are not yet modeled as a separate legal reference layer.
This answer is intentionally split into what the product can prove today and what remains out of scope. The current US page captures the federal policy posture using Federal Reserve and White House materials, which is why the programme is tracked in `none` status. The product does not yet have a state-law reference layer, so it should not imply comprehensive coverage of state anti-CBDC bills or enacted statutes until that layer is built and independently verified.
- The US page tracks the federal stance rather than a state-by-state legislative matrix.
- The registry uses `none` for the current US retail CBDC posture.
- State-level anti-CBDC actions remain an explicit follow-on scope item, not silently assumed coverage.
Citations
- Federal Reserve CBDC Researchcentral bank · T1
Open Questions
- A future legal-reference layer is needed before the site can answer state-law questions comprehensively.
Caveats
- This answer is deliberately limited to the tracked federal posture.
Related CBDCs
Sources
Sources
Last verified: 2026-02-18
White House Executive Order (Jan 2025)
regulator
Federal Reserve CBDC Research
central bank
Money and Payments: The U.S. Dollar in the Age of Digital Transformation - Federal Reserve
central bank
Speech by Governor Brainard on CBDC - Federal Reserve
central bank
US CBDC Status - Atlantic Council CBDC Tracker
tracker