3. Could a CBDC affect financial inclusion? Would the net effect be positive or negative for inclusion?

Following the publication dated January 20th 2022 by the Federal Reserve Board

3. Could a CBDC affect financial inclusion? Would the net effect be positive or negative for inclusion?

Filipe's answer :

Considering in the first place the possible launch of the US CBDC as a liability of the central bank and fearing multiple launches of similar CBDCs, I have the intuition of certain storms in the field of financial inclusion where the US dollar digital presupposed in your paper of January 2022, even if with unmistakable value support, it may lack the simple features that I see in the launch of USA FED's CBDC or Universocial US$$ giving it in a way linked to the value support:

- as cash production cell (1st monetary part processable as personal savings growing advantage ) +

- a counter @stamping of the time in production of the cell and its antiquity in the production of distributable wealth (2nd financial part processable as capital gain as the time go) Time Market Bid & Ask +

- a webtaxmatic cloud function as a release value of the webcashmatic income of the new taxable amount that the US Treasury thanks (3rd part processable as "freedom" gain) +

-a tagvaporator of the personal orientation option for the free exercise of the owner of the digital object UUS$$ regarding the eventual limit destination (democratic folks control of investments) of the monetary load allocated in the "Universocial Sovereign Anchor" which production is distributed every 24 hours (4th part processable as "multiplicative capacity" gain).

With a cbdc designed to give folks the advantages of all 4 parts of the money the effect of it financial inclusion has a net positive result by the extraction of wealth from virgin resources,