I think the value here isn't for consumers. It's having a central ledger that all of the main financial institutions use. No need to a move a % of your treasury

I think the value here isn't for consumers. It's having a central ledger that all of the main financial institutions use. No need to a move a % of your treasury reserves into the central bank each night. As the treasury department of Barclays for example, the central bank of england can see your liquidity buffers in real time, intraday.