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Finance , Money and Monetary Policy , Banks and Banking , Central bank digital currency , CBDC Virtual Handbook , macro-financial implications , competition , legal considerations , financial integrity , fragile and conflict-affected states , tokenized reserves , IMF staff , payment system resilience , IMF policy , transparency policy , IMF Policy , Central Bank digital currencies , Financial sector stability , Anti-money laundering and combating the financing of terrorism (AML/CFT) , International reserves , Global , South America , Central America , Caribbean , Southeast Asia , Pacific Islands , Africa