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The attributes of cash. Exceptions: with hygiene. Without volume, weight or the need for physical transport.

0 the attributes of physical cash

1 many nations have an account for each citizen as part of the internal revenue tax system

2 User focus groups - the ECB references Kantar Public (2022), Study on New Digital Payment Methods, March. The focus groups suggested that people see the ability to “pay anywhere” as the most important feature of a new digital payment instrument. This emerged in all countries and age groups. Instant, easy, contactless payments, especially for person-to-person payments, were the second-most valued feature. Lastly, participants in the focus groups would like to see a solution that would allow instant person-to-person payments regardless of the platform used by the payers and payees.

To achieve a universal, instant (including peer-to-peer), and platform agnostic solution infers that the solution-

• meets the lowest digital common denominator currently available.
• resolves the question of change at a User level.

the lowest digital common denominator appears to be standard mobile phone and SMS

3 futureproof - what is the need for an interoperable standard to apply to all CBDC solutions? How often can a CBDC be implemented within one country?

http://argonit.net/digitalCurrency.html