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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
Where the real projects stand (September 2026)
- Digital euro — the ECB selected 36 payment service providers on 14 July 2026 (from 50+ applicants) for a pilot starting in the second half of 2027 and running twelve months; the legislation is still with the EU co-legislators. The retail scenario here mirrors the intermediated model the ECB has published.
- Digital rouble — Russia's retail CBDC became mandatory for large banks and merchants from 1 September 2026, the first G20 economy to compel acceptance.
- Australia — the RBA concluded in September 2026 there is no case for a retail CBDC and is concentrating on wholesale tokenised settlement.
- Wholesale — most live momentum is in wholesale settlement of tokenised assets and in bank-money alternatives such as SWIFT's shared ledger and regulated stablecoins, which is why the wholesale and cross-border scenarios above matter more to processors today than retail issuance.