# ⛓️🚫 Programmable Money & Enforce Limits

Topic: Digital ID & Carbon Scoring
Topic URL: https://conspirograph.com/topic/digital-id
Card URL: https://conspirograph.com/topic/digital-id/card/106
Markdown URL: https://conspirograph.com/topic/digital-id/card/106.md
Updated: 2026-08-26T15:15:14.893Z

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#### Card #20: ⛓️🚫 Programmable Money & Enforce Limits

- URL: https://conspirograph.com/topic/digital-id/card/106
- Markdown: https://conspirograph.com/topic/digital-id/card/106.md
- Topic: Digital ID & Carbon Scoring
- Updated: 2026-08-26T15:15:14.893Z
- Comments: 0

Summary:

Concerns over programmable money being used to limit consumption should not be ignored as these tools have the ability to both measure consumption and enforce limits. "You can have programmability, you know, units of central bank currency with expiry dates. You could have, as I argue in my book, a potentially better and some people might see it as a darker world where the government decides that units of central bank money can be used to purchase some things but 🚫 not other things that it deems less desirable" "For example in cash we don't know for example who's using a $100 dollar bill today, we don't know who is using a 1000 peso bill today. A key difference in with the CBDC is that Central Bank will have absolute control on the rules and regulations that will determine the use of that expression of central bank liability. And also, we will have the technology to ⛓️ enforce that." "The third way we think CBDC can improve financial inclusion is through what we call programmability. T

Body:

Concerns over programmable money being used to limit consumption should not be ignored as these tools have the ability to both measure consumption and enforce limits.

"You can have programmability, you know, units of central bank currency with expiry dates. You could have, as I argue in my book, a potentially better and some people might see it as a darker world where the government decides that units of central bank money can be used to purchase some things but 🚫 not other things that it deems less desirable"

"For example in cash we don't know for example who's using a $100 dollar bill today, we don't know who is using a 1000 peso bill today. A key difference in with the CBDC is that Central Bank will have absolute control on the rules and regulations that will determine the use of that expression of central bank liability. And also, we will have the technology to ⛓️ enforce that."

"The third way we think CBDC can improve financial inclusion is through what we call programmability. That is, CBDC can allow government agencies and private sector players to program, to create smart contracts, to allow targeted policy functions, for example, welfare payment, for example, consumption coupon, for example, food stamp, by programming CBDC, those money can be precisely 🎯 targeted for what kind of people can own and what kind of use this money can be utilized, for example, for food. So this potential programmability can help government agencies to precisely target their support to those people who need support."

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Attachments:
- Video A: Programmable Money.mp4; video/mp4; 10.0 MB; 1:15. View: https://conspirograph.com/api/assets/305/view Download: https://conspirograph.com/api/assets/305/download
- Video B: Agustin Carstens Programmable Money.mp4; video/mp4; 2.93 MB; 0:56. View: https://conspirograph.com/api/assets/307/view Download: https://conspirograph.com/api/assets/307/download
- Video C: CDBC Programmable.mp4; video/mp4; 4.96 MB; 1:40. View: https://conspirograph.com/api/assets/1571/view Download: https://conspirograph.com/api/assets/1571/download