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CoinLaw » The Crypto Desk » CBDC Status Tracker

CBDC Status Tracker

Where retail central bank digital currencies actually stand, jurisdiction by jurisdiction: launched, pilot, research, or halted, re-checked every 90 days.

9 records updated through 22 Oct 2026 · last verified 1 Nov 2026 · next review by 20 Jan 2027

Steven Burnett
Research Analyst • 246 Articles
Steven Burnett has over 15 years of experience across finance, insurance, banking, and compliance-focused industries. Known for his deep res... See full bio
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At a glance

Longest-running launched CBDC
Bahamas — Sand Dollar Sand Dollar, since 20 Oct 2020
Most recent launch
Russia — Digital Ruble Digital Ruble, since 1 Sep 2026
Most recent pilot
India — Digital Rupee Digital Rupee (e₹), since 1 Dec 2022

All records

9 jurisdictions, grouped by status. Filter or search below.

How to use this tracker
  1. 01

    Search & filter

    Filter by status, or use the search box to find a specific jurisdiction.

  2. 02

    Explore the data

    Sort by A to Z or status.

  3. 03

    Inspect records

    Select Detail on any row to open its full record, then copy a link that opens that row directly.

  4. 04

    Verify sources

    Every row links the primary source it came from, most often sanddollar.bs.

Jurisdiction Status Instrument Central bank Source DetailRecord detail
🇧🇸 Bahamas — Sand Dollar Launched Sand Dollar Central Bank of The Bahamas SandDollar.bs (Central Bank of The Bahamas)↗
Status note
Digital version of the Bahamian dollar, available nationwide since October 20, 2020
Since
20 Oct 2020
Primary source
SandDollar.bs (Central Bank of The Bahamas) ↗
Last confirmed
22 Oct 2026
Recent change
Available nationwide via authorised financial institutions
🇨🇳 China — e-CNY Pilot e-CNY People's Bank of China People's Bank of China, Governor Pan Gongsheng speech (19 Oct 2026)↗
Status note
e-CNY operating institutions expanded from 10 to 30, covering all systemically important banks; reclassified from cash to deposit money early in 2026
Primary source
People's Bank of China, Governor Pan Gongsheng speech (19 Oct 2026) ↗
Last confirmed
1 Nov 2026
Recent change
Operating institutions grew from 10 to 30 (PBC Governor, 19 Oct 2026)
🇪🇺 Euro area — Digital Euro Research Digital euro European Central Bank European Central Bank↗
Status note
Governing Council decided in October 2025 to move to the next project phase; no issuance decision taken
Primary source
European Central Bank ↗
Last confirmed
22 Oct 2026
Recent change
Next phase under way; pilot scheduled for 2027, potential readiness by 2029 pending EU legislation
🇮🇳 India — Digital Rupee Pilot Digital Rupee (e₹) Reserve Bank of India Reserve Bank of India, Digital Rupee FAQs (updated 1 Oct 2026)↗
Status note
Retail and wholesale e₹ pilots under way; 19 banks offer CBDC wallets
Since
1 Dec 2022
Primary source
Reserve Bank of India, Digital Rupee FAQs (updated 1 Oct 2026) ↗
Last confirmed
1 Nov 2026
Recent change
19 banks now offer e₹ wallets (RBI, 1 Oct 2026)
🇯🇲 Jamaica — JAM-DEX Launched JAM-DEX Bank of Jamaica Bank of Jamaica, JAM-DEX Phased Rollout Progresses (June 2022)↗
Status note
Legal tender since the Bank of Jamaica Act amendments became law on 14 June 2022; National Commercial Bank offers it through its Lynk wallet
Since
14 Jun 2022
Primary source
Bank of Jamaica, JAM-DEX Phased Rollout Progresses (June 2022) ↗
Last confirmed
1 Nov 2026
Recent change
Other wallet providers expected to join NCB Lynk in distributing JAM-DEX
🇳🇬 Nigeria — eNaira Launched eNaira Central Bank of Nigeria Central Bank of Nigeria↗
Status note
CBDC backed by law and issued by the Central Bank of Nigeria as legal tender
Primary source
Central Bank of Nigeria ↗
Last confirmed
22 Oct 2026
Recent change
Issued as legal tender; digital form of the Naira
🇷🇺 Russia — Digital Ruble Launched Digital Ruble Bank of Russia Bank of Russia, Digital ruble launched (31 Aug 2026)↗
Status note
Major banks and retailers opened digital ruble processing on 1 September 2026; individuals can use it from that date
Since
1 Sep 2026
Primary source
Bank of Russia, Digital ruble launched (31 Aug 2026) ↗
Last confirmed
1 Nov 2026
Recent change
Public use began 1 Sep 2026 through major banks and retailers (Bank of Russia)
🇬🇧 United Kingdom — Digital Pound Research Digital pound Bank of England Bank of England↗
Status note
Design phase; detailed blueprint in development via the Digital Pound Lab; Bank and HM Treasury decision on next steps due in 2026
Primary source
Bank of England ↗
Last confirmed
22 Oct 2026
Recent change
Design-phase update published October 23, 2025; no issuance decision made
🇺🇸 United States — Digital Dollar Halted CBDC (none issued) Federal Reserve Executive Order 14178↗
Status note
Executive Order of January 23, 2025 prohibits agencies from establishing, issuing, or promoting CBDCs; ongoing plans terminated
Since
23 Jan 2025
Primary source
Executive Order 14178 ↗
Last confirmed
22 Oct 2026
Recent change
Agency CBDC work prohibited by executive order

No records match the current filters.

About this data

Scope
Every jurisdiction that has launched a retail CBDC, plus the major-economy programmes still at pilot, research or halted stage. Three retail CBDCs have launched worldwide and all three are here; a jurisdiction that has published no position cannot appear.
Key facts
  • 9 jurisdictions.
  • The most common stage is Launched, in 4 of 9 jurisdictions.
  • Only 4 retail CBDCs have launched anywhere in the world, and all of them are in this table. The rest of the field is pilots and research.
  • 5 of 9 disclose a start date; the rest publish none, and this table leaves those cells empty rather than estimating them.
Reading the table
Central-bank digital currency positions per each central bank’s own publications. A jurisdiction with no CBDC plans is a checked finding. Informational only, not financial advice.

Using this data in research or journalism?

Quoting a figure with a link to this page needs no permission. Reuse of the compiled dataset is licensed under CC BY 4.0: credit CoinLaw and link back.

Download CSV

What the data shows

The charts below redraw the table above as the trends and comparisons a table cannot show.

Where programs stand

Jurisdictions by the stage their central bank itself published.

Launched 4Pilot 2Research 2Halted 1Launched 4Pilot 2Research 2Halted 1Launched 4Pilot 2Research 2Halted 1

Verification ledger

5 most recent of 8 logged updates · RSS
  1. 1 Nov 2026 Latest Updated ↗ (primary source)

    Pilot to launched (1 Sep 2026)

    Russia — Digital Ruble

  2. 1 Nov 2026 Updated ↗ (primary source)

    19 banks offer e₹ wallets

    India — Digital Rupee

  3. 1 Nov 2026 Updated ↗ (primary source)

    Note re-sourced to Bank of Jamaica

    Jamaica — JAM-DEX

  4. 1 Nov 2026 Updated ↗ (primary source)

    10 to 30 operating institutions

    China — e-CNY

  5. 30 Oct 2026 Re-verified

    Re-verify pass: 4 rows due. 2 re-confirmed against their cited source, 0 updated, 2 not re-checked this pass and left at their old date.

How this tracker is maintained

Every entry is a position the central bank or monetary authority stated itself.

  1. 01

    Sourced

    Jurisdictions enter on their own central bank’s published position: a launch, a pilot, a research program, or a decision to stop. Reporting about a program is not a position; the authority’s own publication is.

  2. 02

    Dated

    Where the authority states a start date we record it, and where it states none the field stays empty rather than being inferred from an announcement.

  3. 03

    Re-checked

    Positions are re-checked every 90 days, which matches how slowly these programs actually move. A stage change is recorded when the authority announces it, not when it is reported.

Why are only some countries listed?
The table covers every jurisdiction that has launched a retail CBDC, plus the major-economy programs at pilot, research or halted stage. Three retail CBDCs have launched anywhere in the world and all three are here; the rest of the field is exploratory, and listing all of it would mean listing intentions rather than positions.
Does pilot mean it is going to launch?
No. Pilots are paused, narrowed and abandoned, and at least one major economy here has halted work entirely. Stage records where a program is, not where it is heading.
Is a wholesale CBDC the same thing?
No. This tracker covers retail CBDCs, the kind a member of the public could hold. Wholesale settlement projects between banks are a separate class of program and are out of scope.

This is informational content and does not constitute legal or financial advice. Program stages move, pause, and are renamed, and a pilot is not a commitment to launch. Confirm current status with the named central bank before acting.

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