The Reserve Bank of India (RBI) is introducing 'programmability' to the e-Rupee

I worry that the "programmability" of a central bank digital currency will make it easier for the government to confiscate the money of people it wants to target or to enforce negative interest rates by having money disappear at a specified rate.

The CBDC(Central Bank Digital Currency) Retail (CBDC-R) pilot currently enables Person to Person (P2P) and Person to Merchant (P2M) transactions. It is now proposed to enable additional functionalities of programmability and offline capability in CBDC retail payments. Programmability will facilitate transactions for specific/targeted purposes, while offline functionality will enable these transactions in areas with poor or limited internet connectivity.