For those following recent discussion of “central bank digital currency” , here is my response to the current (June 2020) BoE consultation on issue of central bank digital currency (CBDC). The consultation document is this Bank of England discussion paper. I suggest that central banks should provide only the minimum core functionality for others to offer transaction services in central bank e-money, not on “issuing” CBDC (i.e. providing even the most limited CBDC service themselves).