Programmable Money: A Sovereignty Issue for Morocco

Programmable money and asset tokenization are a question of sovereignty for Morocco, not merely a technical innovation: by embedding rules and governance directly into financial infrastructure, tokenization reshapes who ultimately controls the system. The authors argue Morocco should build its own monetary infrastructure — a central bank digital currency or tokenized deposits — to preserve economic autonomy, improve payment efficiency, and deepen regional integration across Africa. (Originally published in French in Finances News Hebdo.)

Finances News Hebdo

La monnaie programmable : un enjeu de souveraineté pour le Maroc

Programmable money and asset tokenization are a question of sovereignty for Morocco — embedding rules and governance into financial infrastructure reshapes who controls the system, and the authors argue Morocco should build its own monetary infrastructure (a CBDC or tokenized deposits).

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