$SIGN has just released the most detailed full-stack CBDC blueprint to date: Wholesale Layer + Retail Layer. This is not just a concept — it is a deployable system ready for central banks.
Core Wholesale features: A high-performance private blockchain deployed directly by the Central Bank. Commercial banks connect as permissioned nodes. At the center is the Central Bank Control Center — a unified digital OS for real-time issuance, settlement, compliance, and programmable monetary policy. It connects seamlessly with legacy RTGS systems without breaking existing infrastructure. ZK privacy + 100% sovereign control. No more fragmented systems.
Retail Layer: Expands to end users through G2P tools (direct treasury subsidies to citizens’ wallets, real-time dashboard with zero leakage), a unified CBDC wallet (view balance across banks while banks still retain their data), and CBDC Bridge (cross-border payments + linking to global liquidity such as compliant USDC). Additional programmable modules: auto tax deduction, Islamic finance, and retail clearing.
Development direction: From a pure omni-chain attestation layer → full S.I.G.N. sovereign infrastructure (money + ID + capital). Dual-layer public/private architecture, with TokenTable connecting attestations directly to automatic capital flows. This week they open-sourced Hyperledger Fabric-X, Solana integrations, and MetaMask Snaps. The OBI program just hit its first milestone (aiming for 20M $SIGN TVL). Real pilots are live in Kyrgyzstan (Digital Som), Sierra Leone (on-chain residency), and Abu Dhabi.