Just as ancient civilizations, conquering the oceans, discovered uncharted lands, cybercurrencies - CBDC (Cybernetic Banking Digital Concordance), pave the way for new opportunities in finance. Programmable money allows you to set goals and conditions for using funds in advance, making processes transparent and efficient, which you could only dream of before. For example, they allow you to set limits on the terms and directions of using finances, which opens up new approaches to personal finance and corporate management. This is a new financial reality, where everyone can confidently say: “My success is in my hands.”