Digital currencies, or cryptocurrencies, are becoming increasingly popular. But their lack of programmability has led to the development of smart contracts. In this article, we explore the potential for digital currencies to become programmable and their benefits and challenges. Programmable digital currencies can automate financial transactions, increase transparency, and offer flexibility. However, they also come with challenges such as regulation, scalability, and security. Despite these challenges, the potential for programmable digital currencies is too great to ignore.