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| 背面描述 | Central vignette portrays an Emberá archer drawing his bow, with a figure paddling a traditional pirogue in the background. The composition is rendered in a classical intaglio-style engraving. Bilingual denomination inscriptions and disclaimer legends frame the design. |
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| 防伪描述 | Ypsilon (Y-shaped) pattern watermark |
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Panama has used the U.S. dollar as its de facto circulating currency since 1904, which makes any Panamanian banknote something of a paradox — legal tender in name, but rarely encountered in everyday transactions where dollar bills dominate entirely. The Balboa exists almost as a ceremonial assertion of national currency rights, and higher denominations like this 20 Balboa note circulate in genuinely limited quantities.
Matej Gabris is a Slovak engraver whose work appears across multiple central bank commissions; his involvement here points to an international contract issue rather than domestic production, though confirmed printing attribution for this series is not widely documented.