Methods and systems of central bank digital currency facilitated micropayments

A method, comprising:

• receiving, from a client device, an authorization request for a purchase, wherein the authorization request indicates that a total transaction amount is to be paid from a payor funding source to a payee funding source, and both the payor funding source and payee funding source are funded using at least one non-digital currency;
• determining that the purchase qualifies as a microtransaction based at least in part by comparing the total transaction amount to a predefined threshold amount, wherein the total transaction amount is lower than the threshold amount;
• determining that the payee funding source accepts transactions in a central bank digital currency (CBDC);
• obtaining, in response to determining that the payee funding source accepts the transactions in the CBDC, a payee wallet address;
• debiting the total transaction amount from the payor funding source;
• crediting an amount equivalent to the total transaction amount in the CBDC to a payor wallet, the payor wallet being identifiable by a payor wallet address;
• generating a CBDC transfer from the payor wallet address to the payee wallet address;
• and
• transmitting the CBDC transfer for the purchase to a CBDC network.

A non-transitory, computer-readable medium comprising machine-readable instructions that, when executed by a processor of a computing device, cause the computing device to at least:

• receive an authorization request for a purchase, the authorization request comprising a total transaction amount;
• determine that the purchase qualifies as a microtransaction based at least in part on a comparison between the total transaction amount and a predefined threshold, wherein the total transaction amount is lower than the threshold;
• identify a payment token associated with the authorization request;
• obtain a plurality of payee wallet addresses;
• receive a transaction amount for each of the plurality of payee wallet addresses, such that a sum of the transaction amounts for the plurality of payee wallet addresses is equal to the total transaction amount;
• generate a central bank digital currency (CBDC) blockchain transfer for each of the plurality of payee wallet addresses using a private key based at least in part on an authorization for the payment token to use a blockchain address, each CBDC blockchain transfer comprising a digital signature;
• and
• transmit each of the CBDC blockchain transfers for the purchase to a CBDC blockchain network.