A CBDC is essentially, the digitization of a fiat currency e.g USD/yuan. Why?
Cash usage is declining across the world while the cost of maintaining these inefficient payment networks remains. Digitizing currencies brings them up to date, making money transfers instantaneous.
CBDC本质上是法定货币的数字化，例如美元/人民币。为什么？
全世界的现金使用率都在下降，而维护这些低效支付网络的成本仍然存在。货币数字化使其更新，使资金转移即时。