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" ... David Treat was all for the simplest implementation, a two tier system, with no direct FedAccounts, no interest. They all brought up the idea of programmability to enforce the Banking Secrecy Act for transfer amounts that exceed the legal limit and enforce KYC/AML. It was clear that in their vision dlt would be involved. Accenture has been gathering expertise working on multiple CBDC projects all around the world which will be used to bootstrap the project. ... "