[![Nicholas Anthony Cropped](/sites/cato.org/files/styles/bio_picture_mobile/public/2025-02/NicholasAnthony-cropped.jpg?itok=Tuaw2hKw)](https://www.cato.org/sites/cato.org/files/2025-02/Nicholas%20Anthony-topaz-2.jpg) 

[Policy Scholars](/experts) 

# Nicholas Anthony 

Research Fellow, Center for Monetary and Financial Alternatives

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Nicholas Anthony is a research fellow at the Cato Institute’s [**Center for Monetary and Financial Alternatives**](https://www.cato.org/center-monetary-financial-alternatives), a fellow at the Human Rights Foundation (HRF), and a member of the Economic Inclusion Group’s Advisory Board. Anthony’s research covers a wide range of topics within the field of monetary and financial economics, including central bank digital currency (CBDC), financial privacy, cryptocurrency, and the use of money in society. Anthony is the author of *Digital Currency or Digital Control? Decoding CBDC and the Future of Money* and his work has been published in the *Wall Street Journal*, *MarketWatch*, *Business Insider*, and numerous other outlets. Anthony has testified before Congress and maintains the [HRF CBDC Tracker](https://cbdctracker.hrf.org/home), which documents CBDC development and civil liberties concerns around the world.

Originally from Baltimore, Anthony received a BS in economics and business administration from Towson University and an MA in economics from George Mason University. Anthony can be found on [X](https://x.com/EconWithNick), [Nostr](https://primal.net/p/npub1n2m8jv38n27myhsrm36jvj94qmnh79qfwxt3lktnuq04s3dpk8kq2agflr), [Substack](https://bankingbureau.substack.com/), and [LinkedIn](https://www.linkedin.com/in/nick-anthony-042/).

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#### Featured Content 

[![Digital Currency_Book Cover-C_16x9](/sites/cato.org/files/styles/content_teaser/public/2024-05/Digital%20Currency_Book%20Cover-C_16x9.jpg?itok=bjNT4GKV)](https://www.cato.org/books/digital-currency-or-digital-control) 

books 

### [Digital Currency or Digital Control?](/books/digital-currency-or-digital-control) 

By [Nicholas Anthony](https://www.cato.org/people/nicholas-anthony) 

*Digital Currency or Digital Control* brings policymakers and citizens alike up to speed on the rise of central bank digital currencies (CBDCs) and the reasons why CBDCs pose a fundamental threat to financial privacy, freedom, markets, and security.

[![Financial Privacy Hero Image](/sites/cato.org/files/styles/content_teaser/public/2023-04/financial-privacy.jpg?itok=6IFyg8pu)](https://www.cato.org/policy-analysis/right-financial-privacy) 

Study 

### [The Right to Financial Privacy](/policy-analysis/right-financial-privacy) 

By [Nicholas Anthony](https://www.cato.org/people/nicholas-anthony) 

Financial privacy in the United States has been in disrepair for more than 50 years.

[![bitcoin symbol](/sites/cato.org/files/styles/content_teaser/public/2021-10/202110_crypto.jpg?itok=heorSDde)](https://www.cato.org/briefing-paper/congress-should-welcome-cryptocurrency-competition) 

Study 

### [Congress Should Welcome Cryptocurrency Competition](/briefing-paper/congress-should-welcome-cryptocurrency-competition) 

By [Nicholas Anthony](https://www.cato.org/people/nicholas-anthony) 

Welcoming a competitive market for currencies would strengthen the dollar today and preserve its status as the world’s reserve currency for tomorrow.