Will SBP's Digital Rupee Empower Pakistan's Freelancers & Youth – or Just Monitor Them?

The State Bank of Pakistan’s move to launch a Central Bank Digital Currency (CBDC) could bring a major shift—especially for freelancers and the unbanked youth.

💻 Freelancers, who’ve long been waiting for services like PayPal, may finally get a more integrated and efficient payment solution. If SBP allows global wallet integrations or cross-border payments using the Digital Rupee, it could make transactions faster, cheaper, and fully traceable—without relying on third-party platforms.

📲 For the youth, especially those without access to traditional banking, the Digital Rupee offers a chance to join the financial system via mobile wallets and digital identity.

🔐 Transparency is a double-edged sword. While digital currency helps reduce cash black markets and fraud, it also raises privacy concerns. Every transaction is recorded, and total state control could limit financial freedom.

🎯 The bigger debate: Should Pakistan move towards state-controlled digital finance, or embrace the freedom and decentralization that crypto offers?

Let us know what you think:

👉 Is CBDC a step toward inclusion or surveillance?

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