Retail CBDC mainly cater to two use cases: 

• Peer-to-peer payments to send money to friends and family
• Merchant payments where wallets in various form factors can be used to pay at the point of sale

While the picture is clear about how users will access and obtain CBDC, the acceptance side remains to be fully understood. 

The paper authored by Dr. Lars Hupel, Chief Evangelist CBDC at G+D unveils the exciting world of CBDC wallets and their various forms, illustrating different methods to initiate payments and crafting a conceptual model for POS transactions, specifically designed with the unique features of retail CBDCs in mind. 

It highlights the innovative dual offline capability, which opens up new possibilities.