# #25: vATM: Enabling Seamless CBDC Adoption

[CBDC Broadcast](/content/all-fna-broadcasts/category/CBDC+Broadcast/index.html)

14 Apr

Written By [Saiesha Pitroda](/content/all-fna-broadcasts?author=6825c3024b109a092cd591c8/index.html)

**30th April 2024**

**With:**

\| David Chaum (XX.network)

\| Animesh Ghosh (Currency Network)

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In this webinar, legendary cryptographer **David Chaum** and **Animesh Ghosh** (CEO, Currency Network) join FNA to introduce the **vATM solution**—the world’s first infrastructure where digital identity and payments converge.

The vATM addresses the "privacy-compliance" paradox. By utilizing **eCash 2.0** technology, the solution enables frictionless CBDC payments at existing Point of Sale (PoS) systems while maintaining the **cash-like privacy** that users demand. This "software-only" approach simplifies the rollout for central banks by leveraging current merchant infrastructure, significantly lowering the barrier to entry for both banks and consumers.

## Key Discussion Points:

- **Breaking the Adoption Barrier:** How vATM solves high implementation costs and the "complexity hurdle" for central banks.

- **eCash 2.0 & Privacy:** A deep dive into the advanced cryptography that provides anonymous payer credentials while remaining regulation-friendly.

- **Infrastructure Synergy:** Utilizing existing contactless PoS systems to ensure immediate, frictionless retail adoption.

- **The Quantum-Safe Edge:** How vATM’s underlying architecture is designed to remain secure in the coming era of quantum computing.

**Watch on Demand:**

Listen on: [Spotify](https://open.spotify.com/episode/7tO9NwYZZCWUtHyZ1potfG?si=zB9FhqPKTsmnHddRGiy54Q) \| [Apple Podcasts](https://podcasts.apple.com/gb/podcast/cbdc-broadcast-25-vatm-enabling-seamless-cbdc-adoption/id1772649634?i=1000672107829) \| [Amazon Music](https://music.amazon.co.uk/podcasts/93293cc8-fa9c-41a8-a3d7-86b413d78941/episodes/2d3c72dd-698c-4a02-9bca-92d1ecd90f51/fna-broadcasts-cbdc-broadcast-25---vatm-enabling-seamless-cbdc-adoption)

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### Missed our previous sessions?

You can catch up with The CBDC Broadcast on-demand. [View all episodes >](/content/insights?category=CBDC%20Broadcast/index.html)

Or listen wherever you get your podcasts: [Spotify](https://open.spotify.com/episode/0wTNGVQvQMVWlCKqzXu5xx?si=b9d4fce15716478a) \| [Apple](https://podcasts.apple.com/gb/podcast/payment-systems-broadcast-23-project-meridian-fx-cyber/id1772649634?i=1000725546180) \| [Amazon Music](https://music.amazon.co.uk/podcasts/93293cc8-fa9c-41a8-a3d7-86b413d78941/episodes/f5c4b50e-b5a7-4104-b9a2-988a586fa42f/fna-broadcasts-payment-systems-broadcast-23---project-meridian-fx-cyber-resilience-insights-from-stress-testing)

[CBDCs](/content/all-fna-broadcasts/tag/CBDCs/index.html)[vATM](/content/all-fna-broadcasts/tag/vATM/index.html)[eCash 2.0](/content/all-fna-broadcasts/tag/eCash+2.0)[CBDC Privacy](/content/all-fna-broadcasts/tag/CBDC+Privacy/index.html)[Retail CBDC](/content/all-fna-broadcasts/tag/Retail+CBDC/index.html)[Cryptography](/content/all-fna-broadcasts/tag/Cryptography/index.html)[Financial Inclusion](/content/all-fna-broadcasts/tag/Financial+Inclusion/index.html)[Digital Cash](/content/all-fna-broadcasts/tag/Digital+Cash/index.html)[XX.Network](/content/all-fna-broadcasts/tag/XX.Network)[Currency Network](/content/all-fna-broadcasts/tag/Currency+Network/index.html)