technology medium Fill in the Blank

The CBDC architecture that enables interoperability with commercial bank systems is called ________ Architecture.

  1. Functional
  2. Building Energy / BEMS
  3. Two-Tier / Hybrid
  4. Supervised

Answer: Two-Tier / Hybrid

Two-tier CBDC: central bank issues digital currency, commercial banks distribute and manage customer accounts. Preserves existing financial intermediation while enabling digital innovation.

Topic CBDC
Exam Relevance Banking, UPSC, SSC
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