Explanation:

Central Bank Digital Currencies (CBDCs) are digital versions of a country's national currency and are backed by the central authority of that country, typically the central bank. Let's evaluate the given statements:

It is possible to make payments in a digital currency without using US dollar or SWIFT system.

True. CBDCs can operate independently of the traditional banking system and international payment mechanisms such as SWIFT. Transactions with CBDCs can be done directly without the need for intermediaries or conventional banking channels. Additionally, CBDCs can bypass the usage of dominant international currencies like the US dollar for international trade, though this depends on bilateral agreements and the acceptability of the CBDC by trading partners.

A digital currency can be distributed with a condition preprogrammed into it such as a time-frame for spending it.

True. One of the features of digital currencies, especially when they are based on blockchain or similar technologies, is the ability to embed "smart contracts" that allow certain conditions to be preprogrammed into the currency. For instance, a digital currency can be programmed to be spent within a certain timeframe or under specific conditions.

Given the evaluations, the correct answer is:

3. Both 1 and 2.