Digital currencies of national banks are becoming more and more tightly integrated into the modern reality. Many countries around the world are at different stages of creating, piloting and implementing digital currencies. Undoubtedly, digital currencies as a third form of money will become our reality very soon. However, each country chooses its own model of creating, piloting and implementing digital currency based on its own preferences, the preferences of the population and the objectives of the digital currency. In this article, we will try to explore the concept of CBDC. Understand what CBDC or digital currency is. We will consider the experience of piloting and implementation of digital currency on the example of China, as well as consider the experience of legal regulation of digital currencies. Thanks to this analysis, we will try to give an unambiguous answer to what CBDC is, which of the existing methods is the most interesting and promising from our point of view, as well as what difficulties arise from the legal point of view with the emergence of digital currency.