The digital age is also the age of digital money that dominates retail markets. Most of the central banks of the western world currently do not offer money in digital form for citizens, which represents their direct obligation, as is the case with physical money. In this way, they miss the opportunity to develop alternative solutions that appear both as a result of the development of new technologies and as a result of the emergence of intermediaries, entities from the private sector that manage citizens' data in a dubious and even unethical way, they have an oligopoly that abuses their position. Alternative solutions can produce a parallel payment system that could threaten the financial stability of the economy, the safety of citizens and the institutions that serve them. Furthermore, it could confuse uninformed participants in the financial system who would not know exactly which money is public and which is private, and would certainly demand protection from the state in dealing with private money. The idea of a central bank digital money inherits the idea of blockchain technology, which originates from cryptocurrencies, but is executed in a different way, and of a secure centralized system that citizens trust. The appearance form of money has evolved historically and it can be said that the form of money is transitory in nature, and it is no longer justified for the central bank not to offer money in the form for which there is a great demand. Development efforts are underway that should provide answers to many related questions.