Will the US officially implement a Central Bank Digital Currency (CBDC) before the end of 2030?

The Digital Dollar Delay

The US Federal Reserve has stated that it is only *exploring* a Central Bank Digital Currency (CBDC) and has not made a decision to proceed (simulated late 2025 context). Unlike China, the US faces significant political, privacy, and policy hurdles that require congressional authorization. The strong 'No' vote is based on the consensus that the necessary political consensus is lacking, and the US has prioritized regulating private stablecoins and modernizing existing payment rails over launching a CBDC. The complex process of legislation, design, and implementation makes the launch of an **operational CBDC before the end of 2030** highly improbable.