There is also the European Payment Initiative (EPI). It's an organization set up by a group of banks to streamline payments around (AFAIK) SEPA instant credit transfers.
While I'm highly skeptical of shared initiatives by European banks, I'm far more skeptical of CBDCs, and the current EPI plans seem to be slightly less bad than current payment processes, power and privacy wise.
They're just as slow as you'd imagine though. It'll probably be usable by 2050 or something..
While I'm highly skeptical of shared initiatives by European banks, I'm far more skeptical of CBDCs, and the current EPI plans seem to be slightly less bad than current payment processes, power and privacy wise.
They're just as slow as you'd imagine though. It'll probably be usable by 2050 or something..
https://en.wikipedia.org/wiki/European_Payments_Initiative