Explore the future of currency in this panel discussion featuring experts Stefan Tilkov, John Davies, Lars Hupel, Olivier Rikken, and Sven Johann at GOTO Amsterdam 2023. Delve into the world of digital currencies, including CBDCs, Bitcoin, and Dogecoin, as the panelists share their insights on the potential impact and evolution of these financial technologies. Gain a deeper understanding of key concepts such as programmable money, offline payments, and the ISO20022 standard. Examine the possibilities and challenges of digital cash, including its potential to replace traditional currency and the implications for privacy and anonymity. Learn about the panelists' diverse perspectives on the future of money and the role of blockchain technology in shaping financial systems. Whether you're a finance professional, technology enthusiast, or simply curious about the future of currency, this discussion offers valuable insights into the rapidly evolving landscape of digital finance.