Earlier, some banks are already having account with Central bank digital currency dealing with cryptocurrency and other assets which makes it not a wholesale forum but a retail which is what central banks are doing now.
But the problem is that we normal people can deposit money into a central bank this is because central banks money are safe in short is the safest financial company assets. what central banks are trying to do is to make a way to their goal just like every other finiancial assets.
They are only just two ways to get that which is by them issuing electrical money or cryptocurrencies.
E-money is different from a bank deposit in that it pays no interest, and that its issuer can’t use customer funds for any other purpose apart from crediting a payee.
https://cashessentials.org/getting-real-about-central-bank-digital-currency-cbdc/
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From @steem-pic