币界网报道：The Bank of Canada has proposed a privacy-focused retail CBDC model called OpenCBDC 2PC, developed with MIT, which allows direct digital cash-like holdings using UTXO structures similar to Bitcoin. The system separates identities from transactions, enabling anonymous self-custody wallets and potentially employing zero-knowledge proofs for enhanced privacy. While the design addresses surveillance concerns by limiting central bank access to user data, challenges remain in integrating with existing payment infrastructure and ensuring scalability during audits. The research doesn't commit to launching a CBDC but provides a technical blueprint as Canada's leadership shows growing CBDC interest, with former Prime Minister Mark Carney previously endorsing central bank digital currencies.