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Might there be another advantage of Reserve Bank retail accounts- the elimination of ‘bank runs’ due to depositor panics.
Most central bank (fiat) money already exists only in "digital" form.
If you mean "Crypto" currency, then please use the correct terms.
Bitcoin Scaling Agreement at Consensus 2017 – Digital Currency Group
Algorithms by Jeff Erickson
Nike Fires 8-Year-Old Shoemaker Responsible For Zion Williamson Injury
Balaji S. Srinivasan
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A second layer, off-chain scaling proposal for bitcoin.
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