国际清算银行：2024年零售中央银行数字货币（CBDC）架构提案（英文版）

As central banks explore retail central bank digital currencies (CBDCs), there is value in sharing experiences and working together on a proposed retail CBDC architecture. This architecture defines how a CBDC will be issued and circulated, and what roles the central bank and the private sector will play in operating the system. The choices around these items must flow from public policy considerations and user needs in a CBDC system. The early design choices made could have important consequence