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1、Could Digital Currencies Lead to the Disappearance of Cash from the Market?Insights from a“Merchant-Customer”Model Marco Pani and Rodolfo Maino WP/25/56 IMF Working Papers describe research in progress by the author(s)and are published to elicit comments and to encourage debate.The views expressed i

2、n IMF Working Papers are those of the author(s)and do not necessarily represent the views of the IMF,its Executive Board,or IMF management.2025 MAR*We are grateful to Alexei G.Goumilevski for his valuable technical and econometric support in the numerical and graphic analysis.We express our gratitud

3、e to David Humphrey,Trevor W.Chamberlain,Munacinga Simatele,Evan Kraft,and other participants atthe 95th International Atlantic Economic Conference and at the 2023 Annual Conference of the Society of Government Economists,and to Calixte Ahokpossi,Germn Villegas Bauer,Padamja Khandelwal,Grace Li,Kier

4、an Murphy,Carolina Lpez-Quiles,Luca Antonio Ricci,Felix Simione,and other colleagues at the IMF for valuable comments and suggestions.Helen Chin,Vanessa Guerrero and David Ramirez provided precious editorial and administrative support.2025 International Monetary Fund WP/25/56IMF Working Paper Moneta

5、ry and Capital Markets Department Could Digital Currencies Lead to the Disappearance of Cash from the Market?Insights from a“Merchant-Customer”Model Prepared by Marco Pani and Rodolfo Maino*Authorized for distribution by Naomi N.Griffin March 2025 IMF Working Papers describe research in progress by

6、the author(s)and are published to elicit comments and to encourage debate.The views expressed in IMF Working Papers are those of the author(s)and do not necessarily represent the views of the IMF,its Executive Board,or IMF management.ABSTRACT:Private and public agents plans and actions to introduce