You hit the nail on the head here. This is what a crypotographer might want these systems to be. If you look at the actual motivations of the Central Banks in

You hit the nail on the head here. This is what a crypotographer might want these systems to be. If you look at the actual motivations of the Central Banks in making Cbdcs, it's doubtful they will need anything more technoligically complex than what credit card companies already have. I doubt it will be a block chain. I doubt it will deal with private/public keys as a main means of authentication.