A retail Central Bank Digital Currency (CBDC) would be a digital and universally accessible form of money issued by central banks. Objectives= anticipate the disappearance of cash, create efficient means of payment, and strengthen regulatory controls. Some central banks are testing blockchain/DLT frameworks while others use traditional software. The future CBDC solutions would probably combine design principles of traditional distributed systems with some of the design principles of blockchains and digital “wallets” to store cryptographic keys. It’s finally about creating new protocols with the infrastructure to enable the transfer of digital value.