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My name is Ryan Keely and this is the Soda News Network.

Oh! Or our digital wallets on our smartphones.

We could then use them to pay for things just like we do with Venmo or Apple Pay and no physical money would change hands.

It's a vision of a cashless future that other countries are already embracing.

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It is getting very warm in this studio.

Mmm.

Another argument for creating a digital dollar is to open up digital transactions to Americans who don't have bank accounts.

According to the Fed, more than 5% of U.S. households are "unbanked."

Providing them with a digital wallet would allow people to participate in our increasingly cashless financial system.

It would also make it easier for the federal government to distribute benefits.

For example, having a digital dollar in place during the pandemic could have allowed the government to transfer relief payments directly to digital wallets.

It reflects a growing interest in outside-the-box ideas to get unhoused people off the streets, especially during the winter and cold climates and amid the COVID-19 pandemic.

I wish, can we turn up the AC in here?

Oh!

Nan Roman, CEO of the National Alliance to End ********, said we have a huge shortage of housing.

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