The use of digital money has become increasingly popular, but it comes with certain drawbacks. For instance, it can be challenging to make payments during power outages or internet failures. Additionally, some groups may find it difficult to use digital money. To address these concerns, we propose a design for a central bank digital currency (CBDC) similar to physical cash but also integrates with digital payment systems. This would enable users to access digital money without needing a third party. Our design also addresses technical and security concerns by implementing a trust-level model and ensuring that the system meets users' security needs. Ultimately, our design has the potential to replace physical banknotes and coins.

翻译：数字支付日益普及，但其存在特定缺陷。例如，在停电或网络中断时难以完成支付，某些群体也可能面临数字支付使用障碍。针对这些问题，我们提出一种兼具实体现金特性与数字支付系统兼容性的央行数字货币设计方案。该方案使用户无需第三方即可获取数字资金，并通过构建信任层级模型应对技术与安全挑战，确保系统满足用户的安全需求。最终，本设计具备取代实体纸币与硬币的潜力。