One does need a decentralized ledger for CBDC, high performance databases are quite acceptable, as there is no problem of lack of trust in a permissined model (no systematic bad actor). If you listen to Moser (and Chaum) video, he even states somewhere the unnecessity of DLTs for retail CBDCs.
There are still some benefits but not worth to bet against the blockchain trilemma in these early stages.
One does need a decentralized ledger for CBDC, high performance databases are quite acceptable, as there is no problem of lack of trust in a permissined model (no systematic bad actor). If you listen to Moser (and Chaum) video, he even states somewhere the unnecessity of DLTs for retail CBDCs.
There are still some benefits but not worth to bet against the blockchain trilemma in these early stages.