According to Ghana's banking regulator, digital currencies may be used to transmit money without the usage of power or other types of connection. Kwame Oppong delivered the statements on October 18 at the Ghana Economic Forum in Accra, Ghana.

“Financial inclusion is limited by the availability of connectivity and power. What we hope to be able to do and we’re one of the people pioneering this, is that the e-cedi would also be capable of being used in an offline environment through some smart cards.”

China has been at the forefront of CBDC advancements internationally. The People's Bank of China (PBoC) intends to deploy a smart card-based solution for its Digital Yuan as well.

Users will be able to transfer CBDC from their bank accounts directly to an offline card. Visa warned earlier this year that an offline CBDC payment system might lead to counterfeiting and double-spending.

Over the years, similar changes have been observed in other African nations such as South Africa, Nigeria, and Burkina Faso.