  Central Bank Digital Currency (CBDC) is a novel form of money that could be
issued and regulated by central banks, offering benefits such as
programmability, security, and privacy. However, the design of a CBDC system
presents numerous technical and social challenges. This paper presents the
design and prototype of a non-custodial wallet, a device that enables users to
store and spend CBDC in various contexts. To address the challenges of
designing a CBDC system, we conducted a series of workshops with internal and
external stakeholders, using methods such as storytelling, metaphors, and
provotypes to communicate CBDC concepts, elicit user feedback and critique, and
incorporate normative values into the technical design. We derived basic
guidelines for designing CBDC systems that balance technical and social
aspects, and reflect user needs and values. Our paper contributes to the CBDC
discourse by demonstrating a practical example of how CBDC could be used in
everyday life and by highlighting the importance of a user-centred approach.
