With the persistent pressure from governments, despite the disapproval of the population, to implement Central Bank Digital Currencies (CBDCs), the role of retail banks will gradually be assumed by Reserve Banks in various countries. As a result, the current business model of traditional banks will become obsolete. In order to adapt and remain viable, it is crucial for banks to transform themselves into cryptocurrency exchanges. This transition may lead to a convergence of exchanges and banks, potentially even resulting in acquisitions between the two. Exciting times lie ahead as the financial landscape undergoes significant transformations.