A number of global banking giants have partnered with the Federal Reserve Bank of New York for a 12-week digital dollar pilot program. //

Ribald1
2 hours ago
Private industry has been doing this since the beginning of money. Ledger accounts actually predate money.
The problem here is not ledger accounts, but the government getting involved.
It's one thing for private individuals to destroy their wealth buying imaginary ledger balances (as is the case with crypto) the right to be an idiot is one of longstanding. Government forcing everyone to be an idiot always turns out poorly.