In 2022, expect more details and maybe some action on the Central Bank Digital Currency (CBDC) front. Proposed as its virtual currency by the Reserve Bank of India, "It will basically be a technology-led exchange of the Indian Rupee with RBI oversight on the supply as well as usage," says Vikram Subburaj, Co-founder and CEO of Giottus Cryptocurrency Exchange. A big advantage of CBDC is that all transactions can be tracked. But there's a hitch: No country has yet implemented a CBDC-based economy, although many, including China, are testing it.