Crypto readiness score
2/3 status dimensions verified · 1 initiative · last verified 2026-11-11
Score breakdown
How the number above is built — every input is a verified tracker status with a dated source.
| Component | Weight | Points | Basis (verified input) |
|---|---|---|---|
| Commercial availability | 35 | 10.5 | Pilot / proof of concept · initiative |
| Regulatory standing | 25 | — | No verified status — not scored |
| Technical delivery | 20 | 8 | Pilot / proof of concept · initiative |
| Product breadth | 15 | 5 | 1 product category with a verified status: Retail CBDC distribution |
| Recent verified activity | 5 | 0 | No verified change in the last 365 days |
Score = sum of points, rounded. Only verified tracker statuses count; “Unknown” earns nothing and is never estimated. Methodology
Initiatives (1)
Regulatory, technical and commercial status are kept separate: an authorisation is not a launch.
Retail CBDC distribution · India
Punjab National Bank retail digital rupee (e₹-R) wallet in the RBI CBDC pilot
- regulatory
- Unknown
- technical
- Pilot / proof of concept2023-09-05
- commercial
- Pilot / proof of concept2026-11-11
Punjab National Bank says it is part of the Reserve Bank of India's retail digital rupee initiative and has launched the PNB Digital Rupee (CBDC-R) mobile wallet for its customers; on 5 September 2023 it introduced CBDC-UPI interoperability on the app.
Scope: Retail CBDC pilot run by the RBI; Punjab National Bank as distributing bank.
In tracker · last verified 2026-11-11
Licences & registrations
Regulator records (or MiCA Art. 60 notifications — a notification, not an authorisation).
No licence or registration record in our verified data. This means “not reviewed”, not “unlicensed”.
Partners & providers
From tracker records and verified item text only. “Co-named” means both appear in the same source — open it for context. Full map
- BCV · named role (tracker) · issuer and pilot operator
Regulator records & actions
Register entries and regulator publications that name this institution.
None in our verified data.
Markets (from stated target markets): India
Timeline
Status changes (tracker history), verified items and regulatory dates, newest first.
2026-11-11 · Status
Current product page: PNB says it is part of the RBI e₹-R initiative and has launched the CBDC-R mobile application for its customers (page undated, live 11 Nov 2026).
2023-09-05 · Status
PNB introduced CBDC-UPI interoperability on its PNB Digital Rupee app (PNB media statement, 5 Sep 2023).
Data: /api/banks.json (CC BY 4.0) · Spot an error? Corrections
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