On the background of yesterday’s very restrained statements of the Deputy General counsel of the International monetary Fund IMF managing Director Christine Lagarde looks almost criptonita. CBDC is a promising tool, as the main cryptocurrency at least useful, because they bring an era of cashless, she said.

Central banks of different countries, given the lower demand for cash and the growing interest in digital money, you should at least take a closer look to the idea of issuing CBDC. This was stated today by Lagarde.

“I think we should consider the possibility of issuing digital currency. The role of the state in this case would be to release money for the digital economy,” she said. Among Central banks, which are most seriously to examine this question, Lagarde mentioned regulators of Canada, China, Sweden and Uruguay. “They are open to change and willing to think in new ways, as well as the IMF”, — added the Director of the Fund.

State-controlled digital money, with certain conditions, able to “benefit by the States, users and make life difficult for the criminals.” “Of course, there are difficulties. I urge you to continue with the investigation,” — said Lagarde.

Lagarde also found a few kind words for the main non-state digital currencies such as bitcoin, XRP ether. Cryptocurrency is not only risks, but also useful functions: constantly samosovershenstvovaniya, cryptocurrency, according to the head of the IMF, which offer more stable, fast and cheap payments, bringing such a sweet heart of each controller is the era of cashless.

However, compared with the CBDC they are not — bankers ready to recognize some benefit from the proliferation of cryptocurrencies, but do not trust them.

In a new report on digital currency, which was also released today, IMF stresses that cryptocurrency is still unable to perform the function of money, in particular due to the significant exchange rate fluctuations. The authors of the report comparing crypto-currencies with cash, the private e-money and deposits of commercial banks, and come to the conclusion that crypto-currencies represent the most imperfect option of all the options listed.

The current level of technology inhibits the increased speed of transactions, which, however, may be temporary. However, the IMF believes that explore digital currency is needed, including because these studies can give answers to many difficult questions, with far-reaching consequences.