Central Bank Digital Currency (CBDC) 3.0: Quantum Ledger-Based Multi-Currency Smart Exchange System

Despite rapid evolution of digital currencies, the demand for secure, fast and scalable cross border payment solution has emerged. At the moment, the frameworks for the existing Central Bank Digital Currency (CBDC) are slow for transactions, lack security, and are not capable of adjusting to the dynamic changes with respect to the exchange rate. This paper therefore suggests a novel Quantum Ledger Based Multi Currency Smart Exchange System (QL-MSES) to counter challenges Quantum computers are capable of, quantum cryptography, quantum ledger technology and machine learning driven prediction models. The real time sound synchronization of global transactions as well as unbreakable encryption are performed in Quantum Key Distribution (QKD) and Quantum Entanglement Protocol (QEP systems in this system. AI-PEX proxies the rest of the world using deep reinforcement learning, and the remainder of the world input is passed through ACMA which dynamically selects the best exchange paths. In addition, the system includes the Homomorphic Encryption and Zero-Knowledge Proofs system, hence allowing the flow of information without jeopardizing the user’s privacy and without violating regulatory compliance. With this evaluation, this proposed QL-MSES is enabled to be faster with transactions, secured with data, and agile in exchanges when markets are volatile. The results of the performance evaluation show that QL-MSES offers higher efficiency and security than a conventional CBDC system. By employing this innovative solution, the applications of CBDC 3.0 can be utilised for cross border remittance, smart treasury management and decentralised finance, a revolutionary structure to adopt CBDC 3.0.

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