Central Banks Still Back the Dollar as They Keep AI at Arm’s Length

What Happened

A new global survey of central banks reveals two major trends shaping the future of finance. There is deep reluctance to embrace artificial intelligence in core functions. There is also continued reliance on the U.S. dollar despite growing calls to move away from it.

According to the report, more than 60% of central banks say their use of AI is minimal. It is mostly limited to low-stakes tasks such as research summaries or scanning market data. Few are integrating AI into critical areas like risk assessment, monetary policy modeling, or financial operations. The hesitation reflects concern about reliability, security, and regulatory clarity.

The same survey shows that 93% of central banks do not hold any form of cryptocurrency or digital assets in their reserves. Some are exploring tokenization technologies and pilot digital currencies. Crypto remains a no-go in official monetary policy. Central banks view digital assets as too volatile and too immature for use in sovereign finance.

The report also highlights renewed interest in reducing exposure to the U.S. dollar. Roughly 60% of central banks plan to diversify their reserves. This is not a new desire. Efforts to de-dollarize portfolios have run into barriers for years. The dollar’s liquidity, stability, and depth remain unmatched. U.S. Treasuries remain the global safe haven. No other currency or asset has emerged as a replacement.

Why It Matters

The hesitation around AI shows that central banks are not moving at the same pace as the private industry in automation and digital finance. Tech firms push ahead with generative AI tools for trading and analysis. They use them for customer service. The institutions responsible for monetary stability are more cautious. This is not necessarily a bad thing. It means innovation will be slower in the official banking sector.

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It also reflects how high the stakes are. A mistake in AI-driven monetary policy or central bank decision-making could rattle global markets. Retail banks or investment firms pursue efficiency and speed. Central banks must maintain stability. For now, human analysts still run the show.

On the currency side, the dollar’s dominance continues despite political noise about its decline. Countries pushing for alternatives, such as China and Russia, have not built trusted and liquid financial systems that rival the U.S. on a global scale. For emerging markets and even European nations, Treasuries remain the asset of choice in times of uncertainty.

The pressure to move away from the dollar is not going away. Sanctions concerns and geopolitical risk are motivating some governments to reduce vulnerability to Washington’s policy decisions. Until there is a credible replacement, they rely on the system they want to escape.

How It Affects You

For now, the average American does not need to worry about global central banks ditching the dollar or handing over control to AI. The report makes one thing clear. The world’s most powerful financial institutions still trust the fundamentals of U.S. monetary stability and human judgment.

That is good news for economic predictability. As long as central banks stick with the dollar and avoid high-risk technologies, your retirement accounts, mortgage rates, and currency value are less likely to swing due to untested tech or policy shocks.

But this also means any major gains from AI or digital finance, such as faster transaction systems or streamlined credit tools, will come from the private sector. Central banks remain cautious. As the world moves toward digital economies, the divide between fast-moving innovation and slow oversight could become harder to manage.