Carmelle Cadet, Founder and CEO of EMTECH, a contemporary bank that is central and services company, is a technology provider in the world’s first live retail CBDC with the Central Bank of Bahamas called the Sand Dollar. She has recently started a initiative that is new the U.S. called ‘Project New Dawn’ to guarantee the unbanked and underbanked receive economic stimulus payments. Pointing to a FDIC report in 2017 that identified 63 million people who are underbanked and unbanked within the U.S., she notes, ‘If checks would be the as a type of payment, the stimulus will not reach most of them. That could be approximately $100B underutilized of stimulus for low income householders.’