It's on CBDC's around the corner in the US:

https://www.cnbc.com/2023/03/15/long-awaited-fed-digital-payment-system-to-launch-in-july.html

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Ha, leading-edge and accessible my ass. You'll have to go through a bank first and they tried to ape bitcoin without losing control. Settlement times will still be the same, but the messages are instant. It's open to attack now though, so that'll be interesting.