PhD in cryptography: How does the central bank's digital monetary system face the integration of the central bank's digital currency and the original e-currency system?

On August 12th, the Ph.D. in cryptography, Gao Chengshi’s blog, published the article “The clear and pending definition of the central bank’s digital currency distribution”. The article pointed out that the central bank's digital currency issuance has clearly defined: 1. The central bank's digital currency issuance adopts a two-tier operating system; 2. The centralization of the management model; 3. The focus is M0 replacement, not M1/M2 replacement; Adopt 100% reserve system 5. Do not use pure blockchain architecture. The contents of the central bank's digital currency issuance to be clear include: 1. How does the two-tier system operate? 2. What kind of centralized management is implemented? 3. How to make the account loosely coupled? In addition, he also pointed out that the central bank's digital monetary system focuses on M0 substitution, and faces the problem of how to realize the integration of the central bank's digital currency and the original electronic money system in terms of management mechanism and technology implementation. And how to achieve organic coordination, mutual learning, complement each other, and eventually form a complete and unified central bank digital currency system, is also a concern.