[slimbods]

If a business wants to hold cash outside of a bank, it has to use bank notes. This would give them the option of holding digital currency directly.

Also you'd expect a ground up design of a digital first currency to include much lower cost of transfers enabling micro transactions and much better speed to settle.

[scoopertrooper]

This can be achieved while retaining the existing banking system.

https://nppa.com.au/the-platform/