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foreign National Bank of Ukraine releases draft concept for digital rivnia the National Bank of Ukraine nbu has introduced a draft concept for its Central Bank digital currency cbdc candidate digital rivnia or irivnia Ukraines Central Bank on November 28 released a statement on the concept of irivnia which aims to perform all the functions of money by supplementing cash and non-cash forms of the rivnia as its key purpose the nbu said it has presented the E rivnia concept and continues developing the cbdc project with participants of the virtual assets Market payment firms and state bodies according to the announcement the central bank is currently considering and developing three possible cbdc options depending on design and main characteristics the first option describes the erivnia for retail non-cash payments with the possible functionality of programmed money through smart contracts a retail erivnia would enable the implementation of targeted social payments and the reduction of