AT-CBDC: Achieving Anonymity and Traceability in Central Bank Digital Currency
Why this work is in the frame
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Bibliographic record
Abstract
In this paper, we propose a new central bank digital currency (CBDC) system based on the two-tier architecture. The proposed system enhances the traditional bank-user framework of electronic cash and employs the commercial banks for account and coin management. The coin splitting is supported during coin withdrawal of users and the coin combination is achieved for coin deposit at the commercial banks, such that the efficiency of coin management is improved. The other distinguished feature is that the proposed system achieves the anonymity against the commercial banks, while enabling the central bank to support user tracing and double-spending prevention. Specifically, by utilizing the BBS+ signatures, the users can create bank accounts, withdraw coins, and deposit the received coins at the commercial banks without exposing their real identities. As a trusted party, the central bank is responsible for money issuing and financial regulation. In addition, to ensure the system inclusive, users can receive payments from others even they do not have bank accounts at commercial banks. Finally, we demonstrate that the proposed system achieves the desirable properties of balance, anonymity, and traceability and show the efficiency and practicality for the implementation on mobile devices.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.000 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.000 |
| Science and technology studies | 0.001 | 0.000 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.004 | 0.002 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it