Sela tests the feasibility of an accessible and cybersecure rCBDC proof of concept. In doing so, it assumes that competition, innovation, access and cyber security are desirable properties of an rCBDC payments platform, and that these properties can be achieved through a public-private partnership that supports a vibrant ecosystem of private sector intermediaries. For this purpose, an rCBDC architecture was chosen where the central bank operates the retail ledger and provides rCBDC accounts for end users, while private intermediaries handle all customer-facing rCBDC services and obligations.