In fact, such a model for creating national stable coins of states has already been launched by the Chinese government. There such a stable coin, that is, a digitalized yuan, is issued by the central bank, and all types of commercial banks and other financial institutions are involved in its testing and distribution. In my opinion, this is the best option for the development of digitized currencies of states. It is unlikely that other structures except the central bank should be allowed to create digitized currencies. If the central bank, that is, the state, issues the digitized currency, people will have more confidence in such a currency.