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looking forward rapid changes are taking place in the global monetary system that may affect the international role of the dollar in the future most major economies already have or are in the process of developing instant 24 7 payments our own fed now service will be coming online in 2023 and in light of the tremendous growth in crypto assets and stable coins we are examining whether a u.s central bank digital currency would improve upon what is an already safe and efficient domestic payment system our as our white paper on this topic notes a us cbdc could also potentially help maintain the dollars international standing