[adolph]

An alternative to ACH need not push the technology down to the consumer but leave it at the interbank level.

[jqpabc123]

Yes, this is exactly what a CBDC will do.

You'll still spend USD just like before --- not CBDC tokens. The only thing the consumer will see is new capabilities and transaction speed that didn't exist before.

Basically, a CBDC will be used to add digital wallet functionality to everyone's existing bank account.