CBDCs are an irreversible trend and will be the payment rails of the future.
https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2926~a61b033b8b.en.pdf you might find this interesting.
https://www.ecb.europa.eu/pub/pdf/scpwps/ecb.wp2926~a61b033b8b.en.pdf you might find this interesting.