PayOff: A Regulated Central Bank Digital Currency with Private Offline Payments

Carolin Beer, Sheila Zingg, Kari Kostiainen, Karl Wüst, Vedran Capkun, Srdjan Capkun. PayOff: A Regulated Central Bank Digital Currency with Private Offline Payments. In Manindra Agrawal, Ian Molloy, Vinayaka Pandit, Debdeep Mukhopadhyay, Kenny Paterson, editors, Proceedings of the ACM Asia Conference on Computer and Communications Security, ASIA CCS 2026, Bangalore, India, June 1-5, 2026. pages 693-714, ACM, 2026. [doi]

Abstract

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