There are two types of central bank digital currencies (CBDCs): wholesale and retail. Wholesale CBDCs are intended for use by financial institutions and other commercial entities, while retail CBDCs are designed for use by the general public.
The main difference between these two types of CBDCs is whom they are meant for. Wholesale CBDCs are less likely to be used by individuals, as they require a certain level of sophistication to use. Retail CBDCs, on the other hand, are designed for use by the general public and are therefore much simpler to use.
Explore more here: Wholesale CBDC Vs Retails CBDC