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What is Cryptocurrency Bank? Crypto Banks started offering LOAN on CryptocurrenciesCryptocurrency users send funds between digital wallet addresses. These transactions are then recorded into a sequence of numbers known as a �block� and. A CBDC is a high-security digital instrument; like paper banknotes, it is a means of payment, a unit of account, and a store of value. And like paper currency. Central Bank Digital Currency (CBDC) is a new form of money that exists only in digital form. Instead of printing money, the central bank issues widely accessible digital coins so that digital transactions and transfers become simple. Efforts towards CBDC grow all over the world for many reasons.