SUMMARY
Cryptocurrencies are an emerging phenomenon in the Digital economy that is expanding day by day. Both in terms of the number of cryptocurrencies and the fact that cryptocurrency fans are increasing. Cryptocurrencies are based on blockchain technology and this has made financial transfers decentralized. This is against the current practice of governments and banks, which are based on centralization policy. Sometimes governments also play an intermediary role in financial matters. At the same time, in the case of the spread of cryptocurrencies, the policy of centralization and government mediation will decrease. Governments adopted different strategies to deal with the risk of decentralization in the digital economy. One of these solutions is the central bank digital currency design policy based on semi-centralized block chain technology. In fact, the overall goal of the semi-centralized block chain is to make maximum use of the important advantages of the block chain technology with a degree of controlled centralization.