Anthony Chidi Nzomiwu, Ekene Nwankwo. Public Money, Private Innovation: Designing a Layered Architecture for CBDCs and Tokenized Finance. IOASD J Bus Manag Stud [Internet]. 2025 Nov. 7 [cited 2026 Jun. 10];2(4):105-8. Available from: https://ioasdjbms.com/index.php/ioasdjbms/article/view/49