A paper from an Austrian Central Bank economist worth reading: "Privacy by Design for Public Digital Money" by Martin Summer.The framing says it all: privacy in payments is dismissed as a niche concern, but that fundamentally underestimates what is at stake.When central bankers start writing this, the conversation is shifting. https://www.oenb.at/en/Publications/Economics/Working-Papers.html#GNUTaler #FLOSS #PrivacyTech #DigitalMoney #CBDC