Bank changing relation ship with your money please read urgent
“Please Listen: What’s Coming After CBDCs Will Shock You…” Whitney Webb
Inner Conspiracy
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32.389 weergaven 23 okt 2025
I need you to stop what you’re doing and pay attention to what I’m about to tell you. While everyone’s been distracted by inflation and market volatility, central banks worldwide have been
quietly developing something that will fundamentally change your relationship with money forever. CBDCs – Central Bank Digital Currencies – aren’t just a new form of digital cash.
They’re phase one of something far more controlling, and almost nobody is talking about what comes next.
I need you to stop what you redoing and pay attention to what I’m about to tell you. While everyone has been distracted by inflation and market volatility,
central banks worldwide have been quietly developing something that will fundamentally change your relationship with money forever. CBDC as central bank digital currencies aren’t just a new form of digital cash.
They rephase one of something far more controlling and almost nobody is talking about whatcomes next.
What I am about to share with you is in tea speculation orfear-mongering. It s based on publicly available documents, official statements, and policy papers from the
world’s most powerful financial institutions.
The road map is hiding in plain sight, but you need to know what to look for.
And that is exactly what I’m going to show you today. Let me break this down for you.
Central bank digital currencies are digital versions of national currencies issued directly by central banks. On the surface, they were marketed as convenient, efficient, and
modern alternatives to physical cash.
The official narrative suggests they’ll reduce transaction costs, increase financial inclusion, and modernize our payment systems.
But here’s what they re not telling you. CBDC’s are merely the gateway to fully programmable money currency that can be controlled, restricted and monitored down to the individual transaction level.
Think I am exaggerating? In March 2023, the bank for international settlements essentially the central bank of central banks published a paper explicitly discussing the programmability features
of CBDC’s as a primary benefit.
This isn’t speculation. This is their stated goal. The document clearly outlines how CBDC’s can be programmed to function differently depending on who is using them, what they rebuying and even when they re-spending.
The transition we re-witnessing is happening in calculated phases.
First, they normalize digital payments through private sector innovations like mobile payment apps and contactless cards.
Next, they introduce CBDC’s as a secure government backed alternative. Finally, and this is where we were heading, they implement full programmability features that
fundamentally transform what money is and how it functions in society.
But it gets worse. Programmable money means your currency can be coded with restrictions determining what you can buy, when you can spend it, where it can be used, and even how long it remains valid.
The implications are staggering. Imagine waking up to find that portions of your money can only be spent on government approved categories.
Need to buy something outside those categories? Sorry, your money only work for that. In China, their digital yuan has already been tested with expiration dates.
Money that literally disappears from your account if not spent by government dead lines.
Think about what this actually means for your financial freedom. The power to decide how you use your own money, a fundamental aspect of personal liberty in any free society, would be compromised at a basic technical level.
Here’s where things get really concerning. In October 2022, the Bank of England and UK Treasury ran a consultation exploring programmable money features that would allow smart contracts to be built into money itself.
These aren’t just technical features. They re-control mechanisms. The consultation document specifically highlighted the ability to restrict purchases, implement automatic taxation, and enable novel monetary policy tools, bureaucratic language for unprecedented control over how citizens can use their money.
And that’s not even the disturbing part. The Atlantic Council SCBDC tracker shows that as of 2025, 114 countries representing over 95% of global GDP are now in various stages of CBDC development. This is in te some distant possibility. It’s actively being implemented worldwide in a coordinated fashion.
The Federal Reserve, European Central Bank, Bank of Japan, and other major central banks are all moving forward with CBDC plans, often sharing research and technological frameworks.
Now, this is where it all connects. In April 2024, the BIS Innovation Hub launched Project ORUM to test programmable money features that would allow governments to automatically tax every transaction in real time, block purchases of restricted items or services, implement social credit style restrictions on spending, and even freeze funds based on behavioral patterns.
The technical documents describe these capabilities as advanced governance features a euphemism for unprecedented financial control.
Let me give you a concrete example of how this might affect your daily life. Imagine receiving your monthly income as programmable CBDC’s.
A portion might be automatically coded to expire in 30 days to stimulate economic activity. Another portion might be restricted to essential purchases as defined by the government.
Perhaps spending on certain products deemed environmentally harmful would require special permission or incur automatic penalty fees.
Your financial life would effectively operate within parameters set by central authorities.
The architects of this system are in tea hiding their intentions. Augustine
Karstens, the general manager of the bank for international settlements
stated in October 2020, “We don’t know who using a $100 bill today. With the
CBDC, the 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.
Let that sink in. Absolute control and technology to enforce how you use money. These are his exact words.
What does this mean for you personally?
The cash in your pocket represents the last bastion of financial
privacy and freedom. Once it s eliminated and replaced with fully programmable CBDC’s, every purchase you make, donation you give and transaction you conduct will be visible, controllable and subject to permission.
The implications extend far beyond convenience.
This is about fundamental changes to the relationship between citizens and the state.
Consider the political implications. dissident, activists, or simply those who hold
unpopular opinions could find their financial access restricted.
We’ve already seen glimpses of this with private payment processors cutting off
services to controversial figures.
Now, imagine that power centralized and amplified through government controlled
programmable money.
The potential for abuse is enormous. The transition to programmable money also creates unprecedented surveillance capabilities.
Every transaction generates data who bought what, when, where, and for how much. This creates a comprehensive financial surveillance system that tracks not just large purchases, but every coffee, book, or donation.
This data becomes a powerful tool for monitoring behavior, predicting actions,
and ultimately influencing choices.
You might be thinking, but I have nothing to hide. Why should I care? This isn’t t
about having something to hide at is about fundamental liberty.
The ability to transact freely without permission or surveillance is a cornerstone of personal autonomy in a free society.
Programmable money undermines this liberty at a structural level. It changes money from a neutral tool of exchange into a mechanism of control and behavioral modification.
Let us talk about the international dimension. CBDC’s are being developed with crossbar functionality in mind.
The BIS is coordinating multiple projects like project Jura, project Dunbar, and
project Mobridge specifically focused on international CBDC transactions.
This points to a global financial architecture where programmable money
features could be implemented across borders, creating unprecedented
coordination of financial controls.
The public narrative around CBDC’s carefully avoids discussing the more
concerning programmable aspects.
Instead, the focus is on convenience, efficiency, and modernization.
This framing is deliberate. By presenting CBDC’s as a simple technological upgrade
rather than a fundamental transformation of money itself, authorities hope to
implement these systems with minimal public resistance.
But the technical documents and research papers tell a different story.
They explicitly discuss the policy benefits of programmable money, the ability to implement negative interest rates without cash alternatives, automatic taxation,
spending restrictions, and financial nudging to influence behavior.
These are TBugs in the system. They record features being actively developed and
tested.
Now, let S connect some dots that most people miss.
The push for CBDC’s is happening alongside other significant developments.
The steady decline of cash usage, increasing digital ID requirements for financial
services, and the expansion of financial surveillance under anti-money laundering
regulations.
These aren’t two separate trends. They were complimentary. Components of a comprehensive transformation of our financial system.
The CO 19 pandemic accelerated these developments dramatically. It normalized
contactless payments, online banking, and digital transactions while reducing
cash usage. It created the perfect environment to advance CBDC development
under the guise of public health and modernization.
Many central banks explicitly cited the pandemic as a reason to accelerate their CBDC research and implementation plans.
What s particularly concerning is how little public debate there has been about these fundamental changes.
Most people have no idea what CBDC’s are, let alone their programmable features. This lack of awareness isn’t t accidental its beneficial for those implementing these systems.
The less public scrutiny and resistance, the smoother the implementation.
Let me be clear about something. The technology itself is in te inherently
problematic. The issue lies in how it will be implemented, governed, and potentially abused.
Technology is never neutral. It’s shaped by the intentions, values, and power
structures of those who control it.
And in the case of programmable CBDC’s, that control would rest with central banks
and government authorities.
This brings us to the critical question of oversight and accountability. Who
programs the programmable money? Who sets the parameters for what you can buy
when your money expires? Or which transactions get flagged? These decisions would likely fall to unelected central bankers and financial regulators operating with limited public accountability.
The democratic implications are profound. There are also serious concerns about technical resilience in cyber security.
A centralized digital currency creates an attractive target for hackers, potentially including hostile state actors.
System failures could prevent people from accessing their money or
conducting essential transactions. The more complex the programmable features,
the more potential points of failure or exploitation.
Some proponents argue that programmable money could have positive applications helping people save automatically, preventing fraud or enabling conditional charitable giving.
While these use cases exist, they could be achieved through voluntary opt-in
services rather than by fundamentally transforming the nature of money itself.
The difference is choice versus compulsion.
The historical context is important here. Money has evolved over thousands of years, but its essential function as a neutral medium of exchange has remained constant.
Programmable money represents not an evolution, but a revolution in what money is and how it functions.
It transforms money from a tool that serves its users to a tool that can control its users.
I want you to understand something crucial. Once these systems are implemented and cash is marginalized, reversing course becomes extremely difficult.
The infrastructure regulations and behavioral changes become entrenched.
That’s why understanding what’s happening now before these systems are fully deployed is so important.
The rollout strategy is clear. Introduce basic CBDC functionality first. Emphasizing convenience and security while downplaying control features.
Once adoption reaches critical mass and cash usage diminishes further, gradually
implement programmable features. By then, alternatives will be limited and
the ability to opt out significantly reduced.
In China, the digital yuan is already operational in multiple cities with tens of millions of users. The system includes expiration dates for stimulus payments and restrictions on certain types of purchases.
It s integrated with the broader surveillance architecture and social credit system.
This is in T theoretical IT operational today, providing a preview of what could
be implemented elsewhere. The European Central Bank is moving forward with its
digital euro project, though with more public consultation than in China.
However, technical documents still discuss programmable features and smart
payment possibilities. The Bank of England s on a digital pound similarly
includes programmable capabilities, often framed as innovation features
rather than control mechanisms.
In the United States, the Federal Reserve has been more cautious in its public
statements, emphasizing research over immediate implementation.
However, the Fed S partnership with MIT on project Hamilton explored technical
architectures that would support programmable features.
Public narrative focuses on keeping up with innovation rather than the control
possibilities. What I find particularly telling is how financial and technology companies are positioning themselves around CBDC development.
Major payment processors, banks, and technology firms are actively participating in CBDC trials and development programs. They recognize that these systems represent the future of financial infrastructure and are ensuring they maintain their position in the new architecture.
The geopolitical dimension cannot be ignored. CBDC’s are emerging as a battleground for financial influence between major powers, particularly the United States and China. China s head start with the digital yuan is explicitly designed to challenge dollar dominance in international transactions.
This competition creates pressure for faster implementation potentially at the
expense of careful consideration of civil liberties implications.
Let s talk about resistance and alternatives. Some privacy advocates and
civil liberties organizations are raising concerns about CBDC’s, particularly their surveillance potential.
Cryptocurrency proponents offer decentralized alternatives, though these face increasing regulatory pressure.
Some countries like Sweden have laws ensuring cash remains a viable payment option despite declining usage.
However, these resistance efforts face significant challenges. the resources,
authority, and coordination of central banks and international financial institutions far outweigh those of privacy advocates.
The technical complexity of CBDC’s makes public engagement difficult. And the
convenience narrative is persuasive to many consumers who may not fully appreciate the long-term implications.
This isn’t t just about convenience at as about control. The ability to program
money means the ability to program human behavior. And the question is in t if
this system will be abused, but when and how extensively.
History teaches us that expansive powers granted to authorities rarely remain unused or limited to their original purpose.
So ask yourself this. In a world where your money can be programmed, expired, or frozen with the click of a button, who really controls your life?
This isn’t conspiracy theory. This is documented monetary policy being developed in plain sight. And time is running out to understand what is really happening.
The future of money is being redesigned right now. And most people on one t realize what they’ve lost until it’s too late.
Financial privacy, autonomy, and the ability to transact without permission are fundamental to individual liberty.
Once surrendered to programmable money systems, these freedoms will be extremely difficult to reclaim.
What can you do about this? First, educate yourself beyond mainstream coverage of CBDC’s. Read the technical papers, consultation documents, and research publications from central banks.
The concerning details are rarely in press releases, but are often disclosed in technical documentation.
Second, reduce your dependence on fully digital payment systems.
Maintain the ability to use cash for everyday transactions. Support businesses and services that preserve cash payment options.
This isn’t t about avoiding legitimate taxation or regulation. It’s about preserving financial autonomy and privacy.
Third, engage with the public consultation processes that many central banks are
conducting around CBDC development.
These consultations often receive limited public input, allowing financial
industry perspectives to dominate.
Your voice matters in these discussions, particularly regarding privacy
protections and limits on programmability.
Fourth, support legislative efforts to protect cash usage and limit surveillance
capabilities in digital payment systems.
Some jurisdictions are considering cash protection laws that ensure cash remains
a viable payment option.
These regulatory safeguards are crucial counterbalances to the CBDC momentum.
Finally, talk about these issues with friends, family, and colleagues.
Public awareness is the first step toward meaningful debate and appropriate
safeguards.
Most people simply don’t know what CBDC’s are or how programmable money could directly affect their lives. Changing that through conversation is powerful.
The transition to programmable money represents one of the most significant
changes to human society in generations.
It’s not just a financial or technological shift. It’s a transformation in the relationship between citizens and the state with profound implications for privacy,
autonomy, and freedom.
This conversation needs to happen now, not after these systems are fully implemented. The future is intixed.
With awareness, engagement, and appropriate safeguards, we can ensure that digital currency innovations serve human freedom rather than restrict it.
But that outcome depends entirely on what happens in the next few years as these systems move from research to reality.
The time to pay attention is now.
Remember, in a world of programmable money, the question isn’t to just what
you can buy, it’s what you pretermitted to buy. And that’s a future we should
all be deeply concerned