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In a white paper, the non-profit organization Digital Dollar Project concluded that a central bank digital currency, "rather than displacing the service offerings of established financial institutions providing cross-border remittance services . . . present[s] an opportunity to modernize operational processes and expand financial access."

Commentary by Steven Lofchie

In an amicus brief filed in SEC v. Coinbase, Inc., legal scholars argued that the sale of digital assets would generally not be considered an "investment contract" as that term was understood by the drafters of the Securities Act and Securities Exchange Act, and should not be considered an investment contract under the "Howey" opinion.