Fractional reserve regimes generate fragile banking, and full reserve regimes (e.g., narrow  banking) remove fragility at the cost of suppressing the role of banks as lenders. A Central Bank  Digital Currency (CBDC) could provide safe money, but at the cost of potentially disrupting  bank lending. Our aim is to avoid this potential disruption. Building on the recent literature on  CBDCs, in this study we propose what we call the “CBDC next-level model,” whereby the  central bank creates money by lending to banks, and banks on-lend the proceeds to the  economy. The proposed model would allow for deposits to be taken off the balance sheet of  banks and into the balance sheet of the central bank, thereby removing significant risk from the  banking system without adversely impacting banks’ basic business. Once CBDC is injected in  the system, irrespective of however it is used, wherever it accumulates, and whoever holds and  uses it, it will always represent central bank equity, and no losses or defaults by individual  banks or borrowers can ever dent it or weaken the central bank’s capital position or hurt  depositors. Yet, individual borrowers and banks would still be required to honor their debt in  full, lest they would be bound to exit the market or even be forced into bankruptcy. The CBDC  next-level model solution would eliminate the threat of bank runs and system collapse and  induce a degree of financial stability (“super-stability”) that would be unparalleled by any  existing banking system.