In connection with the COVID-19 pandemic, many central banks of various countries began the study of digital money - CBDC.

So China and Sweden are testing their digital yuan, the crown. The technology is being studied by the central banks of the USA, England, the European Union, and Japan.

The current pandemic could give impetus to the introduction of digital money in financial systems.

The use of CBDC reduces the possibility of COVID-19 contamination with paper money. But this is only one alternative. Of course, the use of digital money has its pros and cons.

Here are a few options:

financial accessibility for all populations;

reduction in the cost of printing paper money;

new monetary policy;

new calculation system;

new payment system;

binding payments to the person;

new digital economy.

Blockchain technology will make it possible for commercial banks to issue their stable coins (subject to legislation).

Blockchain technology and the new digital economy provide many options for using CBDC quick settlement. Of course, do not forget about security. Blockchain gives complete security during hacker attacks (lack of a weak link).

In the near future we will see a complete change in the architecture of money.