通过允许任何个人通过中央银行进行交易，央行数字货币将颠覆这种安排，减少对现金，传统银行账户甚至数字支付服务的需求。
By allowing any individual to make transactions through the central bank, CBDCs would upend this arrangement, alleviating the need for cash, traditional bank accounts, and even digital payment services.