---
title: "Central Bank Digital Currency Law"
url: "https://legal.ge/en/service/banking-and-finance-law-en/central-bank-digital-currency-law-en"
field: "Banking & Finance Law"
description: "Expert legal support for CBDC and Digital Lari in Georgia. Compliance, integration, and fintech regulations. Find verified specialists on Legal.ge."
reviewed: "2026-03-25"
updated: "2026-10-14"
publisher: "legal.ge"
---

# Central Bank Digital Currency Law

> Source: legal.ge, https://legal.ge/en/service/banking-and-finance-law-en/central-bank-digital-currency-law-en

Central Bank Digital Currency (CBDC) Law represents one of the most innovative and rapidly evolving areas of modern financial law in Georgia. The National Bank of Georgia (NBG) is actively working on the "Digital Lari" project, which involves implementing a digital form of the national currency as a direct liability of the central bank. This is not a cryptocurrency but an official legal tender that requires a clear legal framework. The introduction of CBDC aims to increase the efficiency of payment systems, improve financial inclusion, and digitize the economy. From a legal perspective, this process involves complex issues such as monetary sovereignty, personal data protection, and cybersecurity. For businesses, especially in the fintech sector, integration into the Digital Lari ecosystem presents new opportunities and challenges, requiring qualified legal advice to ensure regulatory compliance.

## What does the Central Bank Digital Currency legal service cover?

Legal services related to CBDC focus on both analyzing the regulatory environment and legal validation of technological solutions. The service includes: interpreting the NBG's "Digital Lari" piloting and testing regulations; consulting financial institutions and tech companies on integration with the CBDC platform; defining the legal status of "programmable money" (Smart Contracts) and drafting agreements; adapting AML/CFT compliance systems for digital currency operations; assessing personal data protection impact (DPIA) to balance anonymity and transparency; and developing legal models for cross-border payment operations. Lawyers assist clients in participating in the NBG's "Regulatory Sandbox," which is essential for the legal launch of new financial products.

The full text is available on legal.ge after signing in: https://legal.ge/en/service/banking-and-finance-law-en/central-bank-digital-currency-law-en

### Is the Digital Lari different from commercial bank money?

Yes, Digital Lari is a direct liability of the Central Bank, making it risk-free compared to commercial bank deposits which depend on the bank's solvency.

### Can foreign investors use the Digital Lari?

Access for non-residents is subject to current NBG regulations and AML/KYC requirements for cross-border financial operations.

### What laws protect privacy in CBDC transactions?

Transactions are protected by the Law on Personal Data Protection, although the NBG maintains visibility for AML/CFT compliance purposes.