Proof of concept for a central bank digital payment platform

 The central banks in many countries are trying to promote digital payments to replace cash payments (i.e. paper notes and coins).

The goals are:
a) To reduce the cost of handling paper notes and coins
b) To combat counterfeit and fraud
c) To improve efficiency in handling retail payments.

So far, none of the central banks have succeeded. The central bank in China and a few other countries have made some progress, but they are still far from achieving their goals.

I offer this suggestion to a central bank to achieve their goals.
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