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CBDSC Authorityis a list of wallets thatmay mint, burn ortransfer CBDSCto/from any wallet Whitelist Authority is alist of wallets that mayadd or remove anywallet or list of walletsto/from the whitelistlayer Regulation Authorityis a list of wallets thatmay set or changeCBDSC transferingrules CBDSC Whitelist layer Regulation layer Transfer CBDSC to userB. Request stays pending Transfer CBDSC andrest of money to user B User A User A receive a request for CBDSC If equal valueto request If value higher thanrequested If request for goodsor services User B Transfer requestedvalue of CBDSC to userB and rest to user A YES YES NO NO NO YES CBDSC transfer