This study examines issues related to the active creation and gradual implementation of digital national currencies in various countries. The core strengths and limitations of Central Bank Digital Currencies, which are a legally secured digital form of fiat currency, are identified. Instrumental, systemic and institutional properties of the centralized digital currency of the state are highlighted. Our researched comprises a quantitative analysis of nations at different phases of CBDC implementation, with the aim of developing a national digital currency. It was found that the spread of such national currencies around the world would create and support a more diverse payment ecosystem at the national and international levels and, if properly developed, provide a new form of global public financial interaction.