Federal Reserve Governor Bowman said he saw “some prospects” for wholesale central bank digital currencies. But it’s hard to imagine a case for directly using a central bank digital currency (CBDC) outside of interbank and wholesale transactions. We have seen some central banks take steps to begin exploring the potential use of central bank digital currencies (CBDC) in their countries. In the United States, relevant discussions continue, but the Federal Reserve will not issue a central bank digital currency (CBDC) without congressional approval. It is necessary to consider the potential impact of CBDC on the banking industry. If the Federal Reserve is authorized and directed to implement a CBDC, it will need to carefully consider how to design it with private sector service providers to keep financial institutions participating and minimize disruption to the financial system. Doubtful about the benefits that the United States can bring to the launch of a central bank digital currency (CBDC). Banks are generally concerned about the disintermediation issues brought about by central bank digital currencies. (Golden Ten)