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  "slug": "fintech/cbdc-adoption-curve-china-japan-eu-india-2026",
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  "github_url": "https://github.com/jasonhnd/finwiki/blob/main/fintech/cbdc-adoption-curve-china-japan-eu-india-2026.md",
  "raw_markdown_url": "https://finwiki.zksc.io/fintech/cbdc-adoption-curve-china-japan-eu-india-2026.md",
  "domain": "fintech",
  "title": "CBDC programme status 2026 — China e-CNY vs India eRupee vs EU digital euro vs Japan pilot",
  "entry_type": "wiki_entry",
  "frontmatter": {
    "title": "CBDC programme status 2026 — China e-CNY vs India eRupee vs EU digital euro vs Japan pilot",
    "aliases": [
      "cbdc-adoption-curve-china-japan-eu-india-2026",
      "cbdc adoption curve 2026",
      "cbdc cross-country comparison 2026",
      "e-cny vs eRupee vs digital euro",
      "cbdc readiness matrix 2026"
    ],
    "domain": "fintech",
    "type": null,
    "created": "2026-05-25",
    "last_updated": "2026-07-30",
    "last_tended": "2026-07-30",
    "review_by": "2026-11-25",
    "confidence": "likely",
    "tags": [
      "fintech",
      "cbdc",
      "e-cny",
      "erupee",
      "digital-euro",
      "japan-cbdc",
      "adoption",
      "pilot-status",
      "comparison"
    ],
    "status": "active",
    "canonical_anchor": null,
    "related": [],
    "note": null,
    "sources": [
      "https://www.pbc.gov.cn/en/3688247/3688978/3732405/2025080817504463594/index.html",
      "https://www.rbi.org.in/scripts/FAQView.aspx/upload/FAQView.aspx?Id=169",
      "https://www.rbi.org.in/scripts/AnnualReportPublications.aspx?Id=1436",
      "https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html",
      "https://www.ecb.europa.eu/euro/digital_euro/progress/html/index.en.html",
      "https://www.ecb.europa.eu/euro/digital_euro/pilot/html/index.en.html",
      "https://www.boj.or.jp/paym/digital/"
    ]
  },
  "summary": "2026-07-30 時点で、4 jurisdiction を単一の「adoption curve」に載せるには注意が必要である。China は e-CNY pilot を広域で継続し、PBoC は e-CNY を M0 統計に含める。India は retail / wholesale の両 pilot を継続し、2026-04-29 更新の RBI FAQ は 19 retail wallet banks と 16 wholesale participants を明記する。Wholesale では、国債流通市場取引の資金決済、コール市場の銀行間貸借決済、譲渡性預金証書の tokenised",
  "headings": [
    "CBDC programme status 2026 — China e-CNY vs India eRupee vs EU digital euro vs Japan pilot",
    "TL;DR",
    "Wiki route",
    "Status matrix",
    "Public participation metrics",
    "Architecture and distribution",
    "Limits, remuneration and programmability",
    "Programme maturity",
    "DCJPY is a separate private-money route",
    "Reading rules"
  ],
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      "fintech/bis-project-agora-overview",
      "fintech/cbdc-multi-tier-architecture-overview",
      "fintech/e-euro-retail-rollout",
      "fintech/erupee-india-pilot-status",
      "fintech/jp-stablecoin-dcjpy",
      "fintech/mbridge-bis-multi-cbdc-overview"
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      "https://finwiki.zksc.io/ja/fintech/e-euro-retail-rollout/",
      "https://finwiki.zksc.io/ja/fintech/erupee-india-pilot-status/",
      "https://finwiki.zksc.io/ja/fintech/jp-stablecoin-dcjpy/",
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    "external_links_count": 5,
    "external_links": [
      "https://www.boj.or.jp/paym/digital/",
      "https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html",
      "https://www.ecb.europa.eu/euro/digital_euro/progress/html/index.en.html",
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