Cash is king since the transactions are frictionless. CBDCs too should achieve ease of the level of cash. CBDCs should be concerned about data privacy. While meeting regulatory requirements, CBDCs should also be careful about the privacy of data. A layered approach can be adopted. There could be fully private transactions. At the same time, there could be partially private and fully auditable transactions. In banking and financial services, a trail is a must. At the same time, data in the system must be kept secure with appropriate protocols.

CBDCs should be scalable. Most blockchains, especially those based on proof-of-work, have scalability issues.

The Government must have better control of currency transactions and flows.

The twin objectives are external stability and internal growth.