Overview
Over 130 countries representing 98% of global GDP are now exploring Central Bank Digital Currencies. The IMF's CBDC Virtual Handbook provides the authoritative framework for this transformation — covering everything from monetary policy implications to technology architecture and cross-border interoperability.
AfriVest's stablecoin and payment infrastructure is architected to serve as a distribution layer, identity provider, or interoperability bridge for national CBDC implementations across Africa. As central banks move from research to pilot to production, AfriVest provides the ready-made infrastructure that connects CBDCs to real economic activity — cooperative payments, cross-border settlement, and financial inclusion for 350M+ unbanked Africans.
How CBDC Architecture Works
Interactive visualization — click any step to explore
Issuance Layer
The central bank issues CBDC as a direct liability — maintaining monetary sovereignty and control over money supply. AfriVest can serve as the technology provider for this issuance layer.
Key Principles
Core tenets that define IMF CBDC compliance
Monetary Sovereignty
CBDCs must preserve central bank control over monetary policy — including money supply, interest rates, and exchange rate management — while enabling digital innovation.
Financial Inclusion
CBDC design must prioritize reaching the unbanked — through tiered KYC, offline capability, and integration with existing mobile money infrastructure.
Privacy by Design
Balance user privacy with regulatory transparency — implementing tiered privacy where small transactions have cash-like anonymity while large transfers require full identification.
Interoperability
CBDCs must be designed for cross-border settlement from day one — using common standards, multi-currency bridges, and atomic swap mechanisms.
Financial Stability
CBDC deployment must not destabilize the banking system — managing disintermediation risk through holding limits, tiered remuneration, and gradual rollout.
Technology Neutrality
The framework is technology-agnostic — whether DLT-based, centralized database, or hybrid — focusing on outcomes rather than prescribing specific architectures.
IMF CBDC Distribution Architecture
How AfriVest serves as the distribution and identity layer for African CBDCs
Click any component to explore details
Relevant Solutions
AfriVest infrastructure layers aligned with IMF CBDC
Currency Digitization & CBDC
National currencies digitized as regulated stablecoins or CBDC-ready instruments at sovereign scale
Stablecoin & Payments
Reserve-backed digital currencies enabling instant cross-border payments across 54 African nations
Self-Sovereign Identity
Self-sovereign digital identity binding verified credentials to every wallet and transaction
Other Standards
Explore AfriVest's full compliance framework
