On October 30th, according to a report by technology giant IBM and central bank think tank OMFIF, a central bank will issue a consumer-oriented cryptocurrency in the next five years. The report found that policymakers around the world's central banks have been seriously exploring the idea of creating and distributing cryptocurrencies (which IBM calls CBDC), which makes the five-year timeframe very reasonable. This will take the form of a digital currency that can be used in the same way and in the same way as traditional cash. However, the report also pointed out that G20 members are unlikely to take the lead in this step. Instead, the report predicts that the move will be implemented by a small economy, and as part of a broader policy goal, the cryptocurrency introduced by the central bank will be used to achieve a very specific goal.