3. human rights. If designed inappropriately, CBDCs have the potential to be used as tools of surveillance and control by governments. Every transaction is recordable and any authority with access to the CBDC ledger could see all transactions. They could also control individuals through the ledger - such as putting expiry dates on their CBDC, limiting how much they can hold, varying interest rates and prices depending on who they are, preventing purchases and automatically deducting fines. https://www.finextra.com/blogposting/21584/the-risks-to-society-of-central-bank-digital-currencies