Digitln centrln bank banks can be considered in the central banking and the country is considered to be introduced. On the turning of Voxe, the hard economist Pascal Paul and his colleagues have been obstructed over dark, what such a pines were in practice. Pipomnaj that experiences with them are limited at this moment. Follow the theoretical weight and analyzes. According to this economist, digitln centrln banks can be enhanced by the welfare, and despite the stronger of these people in Europe, I have a potently improved improved in the US.Paul Hráž, after 2024 there were 134 countries that were active, or even prepared to introduce their own digitlous mn. This group includes most of the G20 economics with particularly invading initiatives such as the EURO Digitln euro. Introduced digitln centrln banka (CBDC) could stupid to substantially change the financial and mno area. Paul and his colleagues work with a model that indicates otherwise the following: on the one side of the CBDC t, because it provides a unfunctional and convenient Monost Spoen and competes with the traditional bank deposit. This leads banks to the entry of lepch deposits to retain their clients. On the other hand, the bank itself must increase their rate from the deposit and the tide of the deposit. Together, this also reduces their profitability and VR providing business, which leads to investment and production. The model's output is based on how the Roen rate is for CBDC. And economic hard: we found that the overall improvement of the overall prosperity, when the ground is to drink a simple rule for urine rates for CBDC: set rates at 0 %, or 1 % below the year -round rate, depending on the value. This Inn rule balances potential convenient and inappropriate CBDCs and with a controversial result, such as CBDC, which are politically nron and unpopulrn.Pul influence. This set the system thus limits potential profits from the introduced CBDC. On the other hand, if the year's CBDC rate is set very high, the households dramatically pee from traditional bank deposits on CBDC. This shift leads to a routine decline in the profitability of banks and their ability. As a result, the Enterprise and the overall economic activity decreases, which causes prosperity. The change model then identifies the CBDC optimal rate for the US around 0.8 % Ron and more generally in the change. The model is calibrated for the euro area, where the European Central Bank actively prepares the digitln euro. EUROZNA LI SUPPORTED EVERYONE SHOULD VIEW NEFINAND ENTRY ON BANK CRADS (PIBLIN 80 % compared to 30 % in the US). For welfare, CBDCs are introduced in the euro area, because the negative effect of death to the banking sector is strong, UVDJ Economov. And their model shows: for the US, raising RST well -being by 27 basis points at the CBDC rate at VI 0.8 %. The euro area reaches the peak of the well -being of the welfare, which is only 18 Basic Point. And it is an optimal CBDC rate at VI 0.6 %. In spite of the strong income of CBDC in Europe, I have a potential nrst welfare for the USA.