The possibility of embedding rules within the currency itself that determine how, where, and when it can be spent. In essence, a central bank digital currency is a legal tender issued by the country's highest monetary authority, operating entirely in the digital space. No banknotes, no coins, no checks, but programmable money that moves through networks. Advocates promote it as 'smart money,' a term that reveals its unique feature: programmability. Kevin Finn* highlights that central bank digital currencies are positioned as the biggest proposed transformation in the history of modern money, yet the shine of improvement hides fundamental questions and tends to overlook its hidden risks. This is where the question of freedom and control begins. There is no doubt that
