Money is more than just a numeric value. It embodies trust and moral gravity, and it offers flexible ways to transact. However, the emergence of Central Bank Digital Currency (CBDC) is set to bring about a drastic change in the future of money. This paper invites designers to reflect on their role in shaping material and immaterial monetary change. In this rapidly changing landscape, design could be instrumental in uncovering and showcasing the diverse values that money holds for different stakeholders. Understanding these diversities could promote a more equitable and inclusive financial, social, and global landscape within emergent forms of cash-like digital currency. Without such consideration, certain forms of money we have come to know could disappear, along with the values people hold upon them. We report on semi-structured interviews with stakeholders who have current knowledge or involvement in the emerging field of Central Bank Digital Currency (CBDC). Our research indicates that this new form of money presents both challenges and opportunities for designers. Specifically, we emphasise the potential for Central Bank Digital Currency (CBDC) to either positively or negatively reform values through its design. By considering time, reflecting present values, and promoting inclusion in its deployment, we can strive to ensure that Central Bank Digital Currency (CBDC) represents the diverse needs and perspectives of its users.

翻译：货币不仅仅是数字价值的体现。它承载着信任与道德重量，并提供灵活的交易方式。然而，中央银行数字货币（CBDC）的出现将从根本上改变货币的未来。本文邀请设计师反思自身在塑造物质与非物质的货币变革中所扮演的角色。在这一快速变化的格局中，设计可能有助于揭示并展示货币对不同利益相关者所承载的多元价值。理解这些多样性，能够促进新兴现金类数字货币中更公平、更具包容性的金融、社会与全球格局。若缺乏此类考量，我们所熟悉的某些货币形式及其承载的价值或将消失。我们报告了对当前了解或参与中央银行数字货币（CBDC）新兴领域的利益相关者进行的半结构化访谈。研究表明，这种新型货币为设计师带来了挑战与机遇。具体而言，我们强调中央银行数字货币（CBDC）的设计既可能积极也可能消极地重塑价值。通过在设计部署中考虑时间维度、反映当下价值观并促进包容性，我们可以努力确保中央银行数字货币（CBDC）能够代表用户多样化的需求与视角。