Modeling Central Bank Digital Currency Circulation Architectures and Their Information Security
Abstract
Modeling Central Bank Digital Currency Circulation Architectures and Their Information Security
Incoming article date: 19.01.2026Central bank digital currencies are a third form of currency, alongside cash and electronic money. As of 2026, 86% of the world's 65 leading central banks were involved in researching the introduction of their own digital currencies. However, central banks use different circulation architectures when developing digital currencies. This article describes these architectures and compares their information security using modeling. The scientific novelty lies in the creation of a mathematical model of a central bank digital currency platform with different architectures and a comparison of their characteristics. The research methods used in this article include analysis, synthesis of data from various sources, induction, and modeling. The result of this article is a model of a central bank digital currency platform and a quantitative assessment of the level of information security. The objective of the article is to quantitatively evaluate the key security indicators of a hybrid architecture and a fully permitted architecture under real-world cyberattack profiles.
Keywords: centralized architecture, central banks, information security, modeling, digital ruble, hybrid architecture