

In 2026, when is your phone running out of battery
Not too regularly to me, but it happens frequently to most of my friends, and some street performers I know who don’t always have good access to a power outlet, or the money for a portable charger.
…or losing wifi?
I and many other people regularly experience complete cell dropouts when at my local grocery store. No service. (Works fine outside and slightly down the block) We are in a city, not the middle of nowhere either.
There have also been internet dropouts for my local store’s machines, meaning people paying with cash could go instantly, whereas people who only had cards or phone payments had to wait in a massive line since every transaction took 2 minutes to go through.
You can also just get a crypto card if your worried about your phone being unreliable.
Sure, but at that point I could just get literally any card. I was only commenting on CBDCs, though I suppose the same critiques could apply to direct crypto transfers.
At the end of the day, CBDCs tend to rely on phones to work, and thus can’t work if your phone doesn’t, unlike cards, and especially unlike cash. (given cash relies on nothing but you and the person you’re transacting with believing the cash is real, vs phone payments or even just cards still requiring an internet connection at some point, and power to the reader, plus permission from an external gatekeeper as the cherry on top)










Most can, but they still rely on your phone getting an internet connection later, on your phone being trusted to send data over itself, and of course still require your phone to actually be charged. (Can change if it’s a regular card depending on the issuer though)
Also, if you’re just generally curious about stuff related to offline payments, there’s actually a major security hole that Visa refuses to fix, which allows a device to pretend to be an offline-only card reader, then charge any value to someone’s card, and get away with it, even if their device is locked.
Not really a point in favor of my original argument though, since CBDC infrastructure would require replacing or updating all the readers anyways, and implementing the standards to prevent such an attack, like MasterCard has used for a while now.