True CBDC Solution

  • Digital fiat currency bearer instrument 
  • Storable and accessible online and offline
  • Open and interoperable with existing financial ecosystems 
  • Instant settlement finality
  • Cryptographically protected against counterfeiting and quantum computing attacks
  • Scalable to tens of millions of transactions per node per day
  • Traceability​ with privacy

Solution based on technical and legal requirements for securing critical national systems

  • Layered cryptography with multiple signatures, crypto algorithms, and key lengths
  • Customizable/upgradable security features​
  • Algorithms against quantum computing attack
  • Central bank controlled, micro-segmented security boundary
  • Full lifecycle confidentiality of keys 
  • Threshold cryptography enforces quorum

Architected for wholesale, retail and cross-border use

Open, programmable, and privacy protected

ISO 20022 based API
For seamless and secure integration with existing and future banking and non-banking e-wallet systems, and national payment switches
Layered programmability
Separation of CBDC object layer and e-wallet application layer programmability ensuring central bank control while encouraging private sector innovation
Privacy by default
Identification and integrity of CBDC objects can be verified without relying on or exposing private information of the transacting parties

Proven and future-proof

Best-in-class technology
eCurrency CBDC solution is built with matured hardware and software components supplied by its world-class business partners
Field production tested
eCurrency CBDC solution has been validated through the full operation lifecycle in multiple commercial production environments
Ready to deploy
CBDC solution is deployable immediately with well defined methodology, tools and resources
Upgradable and extendable
CBDC can be migrated to a new series with upgraded and extended security seamlessly while in-circulation

Unmatched by blockchain, distributed ledger and other technologies


The world's only true CBDC solution insurable against cyber attack and digital counterfeit by Swiss Re, the global leading insurance company

eCurrency DSC white paper

After extensive market research conducted with more than 30 central banks, eCurrency developed the Digital Secure Currency (DSC) technology specifically to meet their requirements.  The eCurrency CBDC solution allows the issuance, distribution, and transaction of CBDCs with sufficient speed, scale, and instant and final settlement, and continuous operations (24/7/365).  Competing technologies, such as blockchain, are yet to demonstrate the same attributes required of a digital currency object.  Moreover, blockchain technology is not green, because of excessive energy and computing power use.
eCurrency DSC technology infuses trust by converting the electronic values transacted in them into sovereign-backed currency issued by the central bank.  It does not change how consumers interact with the payments systems they use (payment cards, mobile money accounts, etc.).  Central banks can observe usage and collect data through a dashboard, while anonymity is preserved for small transactions.  The anonymity threshold is a public policy choice and determined at the country level.
You will read in this white paper:
  • CBDC drivers
  • Types of CBDC
  • Architecture and design
  • Technology
  • Standardization
  • Recommended readings
  • Frequently asked questions
  • References

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