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+{% extends "common/news.j2" %}
+{% block body_content %}
+<h1>2022-3: &quot;Central Bank Accounts are Dangerous and Unnecessary&quot; published</h1>
+<p>
+In December 2021, the European Central Bank (ECB) published a report on ``<a
+href="https://www.ecb.europa.eu/pub/pdf/scpops/ecb.op286~9d472374ea.en.pdf">Central
+Bank Digital Currency: functional scope, pricing and controls</a>'' in its
+Occasional Paper Series, detailing various challenges for the
+Digital Euro.  While the authors peripherally acknowledge the existence of
+token-based payment systems, the notion that a Digital Euro will somehow
+require citizens to have some kind of central bank account is pervasive in the
+paper. We argue that an account-based design cannot meet the ECB's stated
+design goals and that the ECB needs to fundamentally change its mindset when
+thinking about its role in the context of the Digital Euro if it wants the
+project to succeed.
+<br>
+Along the same lines, the French National Council for Digitalization published
+a report on ``<a
+href="https://cnnumerique.fr/billets-et-jetons-la-nouvelle-concurrence-des-monnaies-le-conseil-national-du-numerique-publie-son">Notes
+and Tokens, The New Competition of Currencies</a>''.  Here, the authors make
+related incorrect claims about inevitable properties of Central Bank Digital
+Currencies (CBDCs), going as far as stating that a CBDC is not possible
+without an eID system.  Our paper sets the record straight.
+</p>
+<h4>Download links</h4>
+<ul>
+<li><a href="/papers/accounts-dangerous-2022.pdf">PDF (English)</a></li>
+</ul>
+
+{% endblock body_content %}