So, do I understand correctly that these are the main benefits of a CBDC? - A centralized ledger which is maintained by the central bank in question. - I

So, do I understand correctly that these are the main benefits of a CBDC? - A centralized ledger which is maintained by the central bank in question. - Instant payment clearing - no ACH or other steps. You simply request a transaction and it happens immediately if it's possible. - No fees - presumably you can send large amounts without paying for a wire transfer. - Convertible into "regular money" with no fees or intermediaries. You can exchange this currency for traditional deposits at a regular bank, and vice-versa. - Easy transactions with the government. You can pay your taxes, or get paid (stimulus payments, paychecks, for example), instantly. - From the central bank / policymaker perspective, there are many benefits because of the gigantic amount of data they gain access to. Would this be essentially like Fedwire, but for everyone rather than a special service for banks?