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What is a Central Bank Digital Currency (CBDC)?A U.S. CBDC � a digital form of the U.S. dollar � has the potential to offer significant benefits. It could enable a payment system that is more. The top 10 US States for percentage of the population that owns crypto are: California, New Jersey, Washington, New York, Colorado, Utah, Florida, Alaska. As of February , countries, including the United States, are considering introducing their own central bank digital currencies (CBDCs) to compete.