Definition ∞ Regulated digital money refers to digital assets or forms of electronic currency that operate under the oversight and control of governmental or financial authorities. This category includes central bank digital currencies (CBDCs) and certain stablecoins that are subject to specific licensing, reserve requirements, and anti-money laundering regulations. The aim is to combine the efficiencies of digital payments with the stability and consumer protections of traditional fiat currency. It represents a structured approach to digital currency.
Context ∞ The concept of regulated digital money is a prominent discussion point in global financial news, with central banks and governments actively exploring its implementation. Reports often cover the policy implications, technological challenges, and potential economic impacts of CBDCs and other regulated digital assets. This area represents a significant shift in the future of monetary systems and financial inclusion.