#Firstdealofthenewyearastylz 1. Introduction • Definition of CBDCs • The growing interest in digital currencies • Purpose and scope of the case study 2. Background and Evolution of Money • Historical forms of money (barter, commodity money, fiat currency) • Rise of digital payment systems and cryptocurrencies • The gap between traditional banking and digital innovations 3. What Are CBDCs? • How CBDCs differ from cryptocurrencies and stablecoins • Retail vs. wholesale CBDCs • Key features (centralized control, programmable money, etc.)