Yes, the digital dollar will be more or less an ecosystem. The banking system is well digitized, and much more developed with regard to banking integration between institutions, the so-called "open finance" you can share your bank information, as many banks as you want.

And pix is ​​a payment system with instant transactions between all institutions in Brazil. So, due to the pix, there doesn't need to be a retail CBDCs, as the central bank already has control of practically all transactions...

Then the digital real project will be an ecosystem, where banks will tokenize, create their tokens, etc.