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The crypto market is currently in turmoil, particularly following the FTX incident, prompting Wall Street to pilot a stress test for a digital dollar. This 12-week pilot aims to digitize deposits, facilitating efficient transactions, particularly for cross-border payments. It’s not about misappropriating funds, but enhancing the efficiency of money transfers. The U.S. is exploring the potential adoption of digital currencies, similar to initiatives already implemented in countries like Jamaica, the Bahamas, Sweden, and China, signaling a push for the U.S. to catch up with global digital currency developments.