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Improving cross-border payments was not the most important objective for central banks in why they should develop a CBDC, ranking behind *** other reasons. A survey held over the course of that year revealed that the preservation of the central bank's role in money provision was a significant driver behind central bank digital currencies in developed countries. Emerging markets saw CBDC as a tool to make financial inclusion happen. “Other”, so the source states, consisted of various objectives, such as digitalization, interoperability or improving the efficiency and resiliency of payment systems. It adds that respondents usually chose “other” if they had multiple objectives in mind. Often compared to cryptocurrencies or stablecoin, a critical difference between crypto and CBDC is that the first is decentralized. Cryptocurrencies and stablecoins are issued by private hands or companies, sometimes as a protest against monetary authorities. CBDC, on the other hand, comes from monetary authorities and is meant to be a digital variant of already existing FX that may rely on blockchain technology.