- Intermediating parties should not lose their role – banks should continue to distribute the cash
- Potential for destabilizing runs into central bank money. Possible solution is not to have remuneration on CBDC
- Public privacy – anonymity issues, payment data should be recorded, access to it strictly controlled
- If fiscal transfers are made with CBDC there is a risk of blurring the segregation between monetary and fiscal policy and a potential reduction in monetary policy independence
- Cyber threats on consensus mechanism (51% consensus attack), smart contract, cryptographic hash, node routing table, account and transaction data, private key theft & loss, eWallet loss
- Technical restrictions. Possible solution – do not keep ledger on every node
- Often payments are settled later than provision of goods and services – hard to achieve synchronization of activities with smart contracts
