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Citibank is pursuing a partner route, which may be implemented more quickly, but also relies more on external factors.

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CryptoFrontier
JPMorgan, Citi Pursue Different Paths in Digital Payments Race
JPMorgan Chase and Citigroup are competing in the evolving digital payments landscape. Citigroup is embracing stablecoins and partnerships, while JPMorgan focuses on in-house solutions, reflecting differing strategies for future payment systems.
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