private bank-like-entity digital currency (PBDC) could be the path to financial liberation (and to real, no fooling around banking privacy) vs CBDCs

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Do you mean something like Binance? They have their currency, you can stake, exchange, buy, sell, transfer.

Maybe but more like charter banks in Florida

Full reserved by sound money like bitcoin

No Fiat fractional reserve Fiat currency

I think private banks but only working with bitcoin, rather than each bank creating their own currency (that will just lead to more shitcoins).