My impression is the digital Euro is a true Central Bank Digital Currency (CBDC), likely to eventually include all of the dystopian aspects like social credit scores, etc.

Stable coins in the US, under the Genius Act (which mainline/offshore Tether is, I believe outside of) would be more of a Private Bank Digital Currency.

In the US, the private sector will usually lead, with varying levels of intervention or coercion from the government.

Stay humble and stack sats, no matter whay