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Banks and Banking , Finance , Money and Monetary Policy , Public Finance , WP , CBDC issuance , CBDC arrangement , CBDC holding , cyber-security payment , monetary policy , money , central bank digital currencies , legal tender , payment system , cyber security , user CBDC holding , Currencies , Payment systems , Digital currencies , Legal support in revenue administration , Global , Eastern Europe , Pacific Islands , Caribbean , policy risk , CBDC pilot , CBDC payment system , CBDC transaction , cash currency management function , platform implementation decision , CBDC platform