Central Bank Digital Currency (CBDC) is a novel form of money that could be issued and regulated by central banks, offering benefits such as programmability, security, and privacy. However, the design of a CBDC system presents numerous technical and social challenges. This paper presents the design and prototype of a non-custodial wallet, a device that enables users to store and spend CBDC in various contexts. To address the challenges of designing a CBDC system, we conducted a series of workshops with internal and external stakeholders, using methods such as storytelling, metaphors, and provotypes to communicate CBDC concepts, elicit user feedback and critique, and incorporate normative values into the technical design. We derived basic guidelines for designing CBDC systems that balance technical and social aspects, and reflect user needs and values. Our paper contributes to the CBDC discourse by demonstrating a practical example of how CBDC could be used in everyday life and by highlighting the importance of a user-centred approach.

翻译：央行数字货币（CBDC）是一种由中央银行发行和监管的新型货币形式，具有可编程性、安全性和隐私性等优势。然而，CBDC系统的设计面临诸多技术与社会挑战。本文提出并实现了一种非托管钱包原型——该设备使用户能够在多种场景下存储和支出CBDC。为应对CBDC系统设计中的挑战，我们联合内外部利益相关方开展系列工作坊，通过故事叙述、隐喻和原型挑衅（provotypes）等方法传递CBDC概念、收集用户反馈与批评意见，并将规范性价值融入技术设计。我们推导出平衡技术与社会因素、反映用户需求与价值观的CBDC系统设计基本准则。本文通过展示CBDC在日常生活中的实际应用案例，并强调以用户为中心的设计方法的重要性，为CBDC相关讨论作出贡献。