These would simply come in a form of an account at the central bank, available to each and every member of the society. --One might ask: why would we ever have to bother going through this classification? For me, knowing the basic models allows to better understand the driving factors and motivations behind the idea. Let us turn first to the wholesale currency.
According to the Bank of International Settlements (BIS), some central bank-operated wholesale payment systems are at the end of their technological life cycles, making the current system subject to errors. Thus the rationale for the wholesale CBDC could be to enhance payments and securities settlement efficiency, as well as to reduce counterparty credit and liquidity risks.