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https://token.kitchen/token-economy/references-te3vol2ch3

Zhang, Tao. “Central Bank Digital Currency”. International Monetary Fund. Mar 19, 2020. Accessed before May 2020. https://www.imf.org/en/News/Articles/2020/03/19/sp031920-deputy-managing-director-tao-zhangs-keynote-address-on-central-bank-digital-currency