You will need to search for it, but there's already an agreement for a system where the comercial banks get a subsidy – a percentage cut of the now centrally controlled fractional lending process – so that their profit margins are in line with what they are now.

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Really? So the ECB will indirectly nudge them into their distribution of cbdc liquidity? Wow.... thank You, I will study that

More like directly bring them on board with a profit sharing initiative so that the system looks similar to how it is now, with the comercial banks remaining as an intermediary between customers and the ECB.

I have none of the details or sources, but I did read about it and it can't *not* be true for the reasons you mention in you first post.