而目前的情况在于只有商业银行才能对接中央银行的资产负债表；同时央行的储备已经作为数字货币而存在，这也是为什么央行在居中调度银行间支付和贷款交易方面如此高效且低成本的原因。
As matters currently stand, only commercial banks have access to central banks’ balance sheets; and central banks’ reserves are already held as digital currencies. That is why central banks are so efficient and cost-effective at mediating interbank payments and lending transactions.