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CBDC Flow Simulator
Simulate retail and wholesale CBDC payment flows — token issuance, P2P transfer, offline payment, and cross-border multi-CBDC settlement.
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Central BankToken issuer · monetary authority
Commercial BankDistributor · KYC/AML gateway
User WalletCBDC wallet app · end holder
1
Issuance Request
2
Request Validated
3
CBDC Tokens Minted
4
Wallet Credited
5
Receipt Confirmed
6
Settlement Report
Initiation
Issuance Request
Commercial bank submits a CBDC issuance request backed by commercial bank reserves.
The commercial bank debits its reserve account at the central bank and sends a signed issuance request. Request includes: bank ID, requested amount, user account reference, AML attestation, and digital signature over the request payload.
Initiation
Validation
Token Transfer
Settlement
Confirmation