OPPOSING CBDCs – Actions To Take


The top priority of the Payment Choice Alliance is to ensure the British public get the Payment Choice they deserve.

The Payment Choice Alliance has contacted EVERY MP in the UK, and has run an event in Westminster which all MPs were invited to attend. So EVERY MP knows about the Alliance.

How do the Alliance know what the British public believe they deserve?


YouGov conducted a survey on behalf of the Payment Choice Alliance in early June 2023.

That survey revealed that only 3% of the UK adult population have stopped using cash entirely. This in turn means than over 50 million adults continue to use cash.

So cash remains of great interest to the vast majority of the British public.

The survey also told us that 88% of the public do NOT support the UK becoming a so-called “cashless” society.

And how about a UK Payment Choice Act?

The survey confirmed that 71% of the British public want a law put in place to guarantee they cash can use their cash, where and when they choose.

And that law is what the Payment Choice Alliance will work very hard to deliver!

While they have contacted every MP, they encouage Britons to do the same by letter or email

An email is obviously quicker and less expensive, but a letter can still be a powerful way of communication.

Dear ( MPs first name),

I am writing to you about my serious concerns in relation to cash acceptance in Britain.

Many retailers and businesses are now turning away customers like me, customers who continue to want to use cash.

This is completely unacceptable.

A recent YouGov/ Payment Choice Alliance Survey (June 2023) showed that 97% of the British public still use cash. The same survey revealed that 71% of the public want a UK Payment Choice Act passed to give them the right to use their cash - their £ - where and when they choose.

I am one of the 97% and 71%.

Please confirm that you support a UK Payment Act and what you will do to ensure one is approved by Parliament without delay.

Your response will be important as I decide who to vote for at the next General Election.

I look forward to hearing from you.

Yours sincerely

Patrick Hutchinson calls for people to take action to bring about a Payment Choice Act

As Patrick says in this heartfelt video, whether you are a regular cash user or not, it is important to know and understand the grave implications of losing it as a payment choice. Please take action and write to your MP about this. We even have a template to help you do so. And as Patrick urges, let's help bring about a Payment Choice Act for the UK that means cash will continue to be accepted in shops and businesses for the foreseeable future.

More on their efforts – "UK Payment Choice Act"

A post was merged into an existing topic: CASH

A post was merged into an existing topic: The Dangers of digital identities and digital bank currencies


Dr. Mike Yeadon: Why Digital ID & CBDCs Must Be Rejected At All Costs

"You do not need a digital to live your peaceful life. Evidence – the last hundreds of years. You do not need it.They need you to have it. Decline it."

“They plan to take digital tyrannical control of everybody, and then kill most people… If I’m wrong and you follow me, you’ll get laughed at. If you believe the government narrative and I’m right, you’ll lose your freedom and probably your life.”

Dr. Mike Yeadon: Why Digital ID & CBDCs Must Be Rejected At All Costs

Republicans Move to Block Biden Rolling Out ‘Digital Cash’ Across America

Republicans are moving to block Democrat President Joe Biden and his administration from rolling out a “digital dollar” to replace physical cash across America.

The plan has been heavily pushed by unelected globalist organizations, including the World Economic Forum (WEF), the United Nations (UN), and the International Monetary Fund (IMF).

A key part of the CBDC agenda is to create so-called “cashless societies” that would governments and bureaucratic agencies greater control over the general public. Those whose spending habits indicate that they have a large “carbon footprint,” for example, could be punished. In a more extreme example, those found to engage in “hate speech,” i.e. “misgendering” someone on social media, could have their funds restricted, denying their ability to buy food in their “cashless society.”

As one WEF speaker recently boasted, CBDCs could be used to control what people can buy by placing blocks on “less desirable items” such as “ammunition” and guns.

Led by House Majority Whip Tom Emmer (R-MN), the Central Bank Digital Currency Anti-Surveillance State Act has resurfaced.

The bill seeks to stop the Federal Reserve’s exploration of a digital version of the dollar.

Fiat currency scam on steroids?

5 Steps to FIGHT BACK against a Central Bank Digital Currency (CBDC) -- And Step #3 is CRITICAL!

5 Steps to FIGHT BACK against a Central Bank Digital Currency (CBDC) -- And...

Five steps to fight back against a Central Bank Digital Currency:
1 - Get the Word Out
2 - Cut Out Debt
3 - Stack Silver & Gold
4 - Get Organized Locally
5 - Learn How to Barter

Martin Armstrong Predictions / Digital Currency & The End of Your Liberty...

Martin Armstrong Predictions Part II / Election Fraud, Food Shortages &...

US House Committee Passes Bill To Block Federal Reserve From Issuing A CBDC

The US House Financial Services Committee passed a bill that would block the Federal Reserve Bank from issuing a central bank digital currency (CBDC).

The CBDC Anti-Surveillance State Act, introduced by Majority Whip Tom Emmer last week, is now headed for a congressional vote. Emmer, who says the bill already has the support of 60 members of Congress, praised the committee’s decision, saying there were dangers to the state having control over a CBDC and that it is incompatible with American values.

“If not open, permissionless, and private – just like cash – a central bank digital currency is nothing more than a CCP [Chinese Communist Party]-style surveillance tool that can be weaponized to oppress the American way of life,” he said.

Fed Not Close To Issuing A CBDC

The bill has provisions preventing the Federal Reserve from issuing a CBDC to individuals. It also blocks it from indirectly issuing a CBDC through an intermediary. The Fed will also be barred from using a CBDC to implement monetary policy.

Earlier this month, top Fed official Michael Barr implied that the Federal Reserve was not close to creating a CBDC. While investigations and research were underway, there was still a long way to go before a digital dollar was under development.

Barr said the Fed would only proceed with the issuance of a CBDC with clear support from the executive branch and authorizing legislation from Congress.

The Blockchain Association has supported Emmer’s bill, saying CBDCs pose major privacy concerns to Americans and could allow the government to track purchases and gather personal data on citizens.

The US House Financial Services Committee Chair, Patrick McHenry, has also voiced his support for the anti-CBDC bill, saying he was “fighting to ensure the Fed does not sidestep Congress to issue a CBDC.”


Piers Corbyn using legal tender at a cashless grocery store:

Let the UK Live. Let London Live - corbyn4london.com and stopnewnormal.net

An exposé on CBDCs and what real money actually is, that can be spread around.

What exactly are CBDCs and how might they try to implement them as world currency?

Real money by Law - not fraudulent legislation - is "pieces" of "silver" and "gold" by "weight".

Continue at the link.

Thank-you @phithx for sharing your article.

A question, please? Based on The Law as follows:
Deut. 23:19 Thou shalt not lend upon usury to thy brother; usury of money, usury of victuals, usury of any thing that is lent upon usury:
23:20 Unto a stranger (foreigner - a non-Israelite) thou mayest lend upon usury; but unto thy brother thou shalt not lend upon usury: that the "I AM" thy God may bless thee in all that thou settest thine hand to in the land where thou goest to possess it.
23:21 When thou shalt vow a vow unto the "I AM" thy God, thou shalt not slack to pay it: for the "I AM" thy God will surely require it of thee; and it would be sin in thee. King of kings' Bible - Deuteronomy

If there were a return for "cash" to be backed by gold and silver (precious metals), assuming that paper cash would still be used as it is easier to physically trade with; through usury in lending to other nations, could not a nation then become more incredibly wealthy than others causing an imbalance in world affairs once again? To avoid such a predicament, the solution would be for a global return to The Laws of God to prevent that from happening? With a return to gold / silver-backed currency, it would be essential to not procure usury amongst the members of one's own nation as The Law states. IF (a big if) Nesara/Gesara is implemented, how usury is dealt with is key. I would appreciate your thoughts on these matters and anything else related to finance Law.

Because the Zionists say they are Judah they then use these verses to justify ripping off everyone with usury.

1 Like

My proposal to opposing CBDC is we wake up the true Israel.


You're welcome.

Yes. Thank-you.

Yep, those are the famous verses on usury.

I think you mean that the paper "money" in the scenario you've painted would be a promise to pay, in lieu of a verbal promise, for example, which should obviously be kept.

Interesting point.

That would probably have to be rephrased something like this: "pieces" of "silver" and "gold" by "weights" are The Money, and any promises to pay, whether verbal or reduced to paper, would be secondary and subservient to that.

Yes, obviously.

The nation that's to be charged the usury by the nation that's charging the usury (in terms of God's Law obviously) would obviously be incentivised to sign up to God's Laws; in full (half measures would be against God's Law James 2:10), so as not to be impoverished by the usury, and to also receive the other benefits of The Law.

And the nation that's charging the usury had better be a good example of God's Law in practice in all respects (James 2:10).



Yes, but those are Acts of parliament, so they automatically contravene Deuteronomy 4:2 with Matthew 5:17-20, and are fraud thereby.

One would have to read all the fine-print and that might even be a waste of time, as they most likely exceed, twist and offend the simple words of God's Law.

As above.

The silver and gold weights obviously have to be accurate, and I presume stamped on the pieces of money.

Deuteronomy 25:14 Thou shalt not have in thine house diverse measures, a great and a small.
25:15 [But] thou shalt have a perfect and just weight, a perfect and just measure shalt thou have: that thy days may be lengthened in the land which the "I AM" thy God giveth thee.

And there obviously also has to be the 7 yearly debt release (Deut. 15:1-14) and 50 yearly wealth redistribution (Lev. 25:10-55).

The huge implications of the fraud of usury and fractional reserve banking is, I think, somewhat adequately described here:

1 Like

@phithx Much obliged. :slightly_smiling_face:

CBDC failed: Congress is banning CBDC with massive support

Lena Petrova, October 2, 2023 CBDC failed: Congress is banning CBDC with massive suppor

:red_circle: CBDC Failed: Congress Is Banning CBDC With Massive Support

Dire Warning From Lynette Zang - Stack Gold & Silver Before It's TOO LATE!

CBDCs: why their future is not so bright

CBDCs are an expression of bankers' fantasy of total control. Their first pilot program lasted 108 days and ended in total failure, lost elections and prison time.


7 OCT 2023

Will the dreaded Central Bank Digital Currencies (CBDCs) become a thing? Will they be as awful as the ruling parasite class is planning? Will they be able to enforce our compliance with whatever rule they choose to impose, oppressing us under a draconian system of arbitrary restrictions and prohibitions? Spoiler alert: they won’t.

Damn! It did look great on paper, tho.

Over the last few months I was asked about CBDCs in a number of podcast interviews. The questions generally reflect the unease and anxiety about the prospect of finding ourselves in a totalitarian dystopia. With the CBDCs, the bankers would presumably have the ability to 'see' every purchase we make and condition our access to money through a permits system enabling them to micromanage any and all of our transaction choices in real time. This is what they mean when they say, "programmable" CBDCs.

The plan is far too ambitious

But programmable CBDCs will almost certainly fail, for a number of reasons. First, development of a viable system of administering people's accounts with all the permitting rules, quotas, restrictions and challenges/appeals will prove far too ambitious a project, to say nothing about managing its evolution and keeping it secure. While such systems are conceptually possible, in all likelihood they'll degenerate into an unmanageable morass.

Thank you for reading! This post is public so feel free to share it.


I recently wrote about the non-trivial challenges of developing and maintaining well-functioning systems, which are related also to the CBDC architecture (see "West's terminal technology problem "). Second, if you impose on the people a system of exchange that's too complicated and too restrictive, they will naturally create and gravitate to grey and black markets.

These tend to develop very rapidly, offering close to all of the goods and services that meet people’s needs which are unmet in the state-sanctioned markets. Black markets then become irresistibly attractive since they'll function as true free and competitive marketplaces, unencumbered by governments' bureaucratic red tape. They’ll be attractive to consumers, and profitable for entrepreneurs.

Black markets pay no tax

The third problem is that the authorities will not be able to collect any taxes on black market transactions which will make the government’s fiscal position go from very bad to much, much worse. Once people grow accustomed to, or even dependent on the black markets, they become very difficult to uproot. Enforcement might only work very marginally, but it won't change the outcome.

The authorities' ability to enforce an onerous, restrictive system will easily be overwhelmed by the population's existential need to exchange everyday goods and services they require. Today, nearly half of Venezuela’s economy depends on black markets. In Argentina, they account for about 35% of the GDP, and this is not because the authorities in those nations wished it so: they’re simply powerless to stop it.

Even in the developed world, there’s a limit to what the population will put up with as we saw with Trucker Protests in Canada and the Blade Runners who are dismantling the state’s surveillance system, as it doesn’t conform to the people’s community standards:

Unless the governments and monetary authorities can execute their plans flawlessly and offer a usable, well-functioning monetary system to the people, they will certainly miss their “dangerously narrow window of opportunity” to enforce programmable CBDCs.

The failure of Nigeria’s CBDC pilot program

This, in fact, is what happened in Nigeria, the world's first CBDCs testing ground: it ended in a massive failure. In October 2021, a public referendum was held on the introduction of a CBDC to replace cash. In spite of 99.5% of Nigerians voting against the CBDC, on 25 October 2022, the then president of Nigeria, Muhammadu Buhari issued a decree that the CBDC project would go ahead regardless.

Last December the government moved to eliminate cash altogether. The implementation of Nigeria’s CBDC, the eNaira was extremely important: it was intended as a showcase of success to be replicated in all nations. The project was therefore helped along with the best advice by foreign experts from the International Monetary Fund (IMF), World Economic Forum (WEF) and the Bureau of Industry and Security.

The currency itself would be based on the Hyperledger Fabric, “a platform for distributed ledger solutions underpinned by a modular architecture delivering high degrees of confidentiality, resiliency, flexibility, and scalability,” able to accommodate the complexity and intricacies that exist across an economic ecosystem. That kind of language will get anyone’s confidence pumped! The Hyperledger Foundation even boasts the Bank of International Settlements’ Green Bonds project among its use cases!

Nigeria’s central bank takes the plunge

The governor of the Central Bank of Nigeria (CBN), Godwin Emfiele announced that by the end of January 2023, Nigeria would transition fully from physical cash (naira) to eNaira, the nation's CBDC. This deadline was subsequently extended to February 10. The people of Nigeria had to transfer all their cash holdings to the CBN which would convert them to individual eNaira balances.

When February 10 arrived, about 80% of the people found themselves still with no CBN bank accounts, holding now worthless banknotes and unable to procure the basic necessities of life. Soon, many small businesses that relied on cash payments shut down because their customers ran out of cash and had no more money to pay for their purchases.

On 16 February, violent riots erupted and some state governments filed lawsuits against the central bank, demanding that the bank allow the people the choice to use the new CBDC and the old niara banknotes. Here's how Polish journalist Jan Fijorr described the way Nigerian people sought to adjust to the new situation, adopting an alternative currency (matchsticks in this case) and beginning to form black markets:

“In response to refusals to accept their old cash, invalidated at the end of January, people without bank accounts, legal cash, or any savings resorted to traditional methods: barter and trade credit. Matchstick holders exchanged them for yams with farmers. Soap producers traded for fuel, and small business owners extended longer credit terms to their contractors. Teachers and cleaners from local schools sought help, mainly food, from the families of their students.”

Consequences of failure…

Nigeria's presidential elections were scheduled for 24 February and of course, Muhammadu Buhari was swept out of office. The new president, Bola Ahmed Tinubu restored the validity of the old currency upon his inauguration (on 29 May), and on 10 June, the CBN governor Emfiele was arrested. The government's ill-advised experiment only lasted for 108 days before it collapsed.

Of course, the IMF and WEF advisors will take in their 'lessons learned' and try again in another country, but they will almost certainly fail again. In the process, their track record of failure will pull the rug from under their confidence and they'll find it increasingly harder to find central bankers and government leaders willing to risk political suicide like Nigeria's ex-president Buhari, or prison time like the ex-central bank governor Emfiele.

Granted, the current monetary system is not for the ages and will have to be replaced. However, the central bankers' ambitions to create some form of digital dystopia and gain total control of society are already proving to be delusional fantasies that can’t and won’t be sustainable in the real world. A new monetary system will have to be based on honest, sound money.

Will CBDCs reduce or increase corruption and crime?

By Rhoda Wilson on January 14, 2024

Czech Republic’s ongoing development of Central Bank Digital Currency (“CBDC”) faces concerns over potential abuse amidst corruption and privacy issues as noted by the Human Rights Foundation.

Yesterday we published an article introducing the Human Rights Foundation’s (“HRF’s”) CBDC Tracker website. We outlined the risk associated with CBDCs as identified by HRF and highlighted the status of CBDCs in the UK. Below we highlight the status of CBDCs in the Czech Republic, or Czechia, as summarised by HRF.

The Czech Republic is exploring the idea of a CBDC, with leadership proposing the concept of a digital wallet, claiming to offer anonymity and no transaction tracking. The actual design and operation of this proposed CBDC is yet to be determined, primarily due to potential regulation and anti-money laundering requirements.

Tomas Holub, a member of the Czech National Bank board, said that he has not seen anyone adequately address how a CBDC will operate. For example, Holub noted that it’s unlikely to be anonymous given anti-money laundering requirements.

Czechia is not yet a member of the euro area and does not have a target date to adopt the euro. As such it is not among the countries that would adopt the European Central Bank’s CDBC called the digital euro.

However, as Bloomberg reported in October last year, although the Czech government, public and central bank have an aversion to joining the euro, companies’ executives are slowly taking the country into the single currency anyway.

“The koruna is only a part-time currency because the big businesses dominating the economy have mostly switched to the euro,” said Tomas Kolar, chief executive officer of Linet Group SE, a maker of high-tech hospital beds and other equipment.

Despite scoring 92 out of 100 in Freedom House’s 2023 Freedom in the World‘ report the country is grappling with corruption, raising concerns that a Czech CBDC might exacerbate it.

“Corruption remains a problem in Czech politics,” Freedom House wrote. Corruption has taken the form of bribery, subsidies, and politically motivated investigations. The existence of pervasive corruption is a major concern with CBDCs because it calls into question any promises that might be made by the government to limit surveillance, control, or other risks of CBDCs. Furthermore, the existence of corruption calls into question whether CBDC policies might be designed to exert political favouritism through subsidies, price controls, or other targeted restrictions.

Read the full article by selecting “Czech Republic” in the country drop-down box on the Human Rights Foundation CBDC Tracker website HERE.

Continued at link...

CBDCs are steeped in human rights abuses and are a new way to track citizens

By Rhoda Wilson on January 13, 2024

Central Bank Digital Currencies (“CBDCs”) have the potential to radically transform the financial system, and all signs point to that transformation being a detriment to citizens around the globe. There are multiple human rights concerns surrounding their implementation and use.

These concerns cover issues of financial privacy, freedom, stability and cybersecurity. The Human Rights Foundation’s (“HRF’s”) CBDC Tracker website notes the following as the concerns regarding CBDCs:

  • Sweeping financial surveillance. Around the world, governments routinely pressure banks and other financial institutions to supply customer information. From Canada to Russia, this practice has become all too common. The difference between what is experienced today and what would be experienced with a CBDC, however, is that the financial records would be on government databases by default. In other words, a CBDC could spell doom for what little protection remains because it would give governments complete visibility into every financial transaction.
  • Restricting financial activity.
  • Freezing funds.
  • Seizing funds.
  • Imposing negative interest rates. Proposals for CBDCs often tout negative interest rates as a benefit because it would offer policymakers “greater control” over the economy. For citizens, however, a negative interest rate amounts to a fine or tax for saving money.
  • Disrupting financial stability.
  • Disrupting cryptocurrency. Globally, governments have demonstrated that they want a CBDC specifically to hold on to their monopoly over national currencies. For instance, China banned cryptocurrencies just as its CBDC was launched; India announced its plans for a CBDC while simultaneously calling for a ban on cryptocurrency; and Nigeria prohibited banks from cryptocurrency transactions just as it launched its CBDC.
  • Putting the economy at risk of cyberattacks.
  • Creating a new tool for corruption.

For additional information on concerns regarding the risks of CBDCs, HRF recommends the Cato Institute’s webpage titled ‘The Risks of CBDCs: Why Central Bank Digital Currencies Shouldn’t Be Adopted’ and report titled ‘Central Bank Digital Currency: Assessing the Risks and Dispelling the Myths’.

HRF is a non-partisan, non-profit organisation that promotes and protects human rights globally, with a focus on closed societies. On its home page, is an option to select a specific country from a drop-down list and read HRF’s assessment of the status of CBDCs for that country.

Selecting the United Kingdom as an example, the page begins with the summary as shown in the image below. What’s striking about this summary is the low score the UK has been given for freedom of movement.

Source: Human Rights Foundation CDBC Tracker, retrieved 12 January 2023

Continued at link...