Most of the members of the European Union have a single currency called the Euro, and for years there have been plans by the ECB for a digital euro, in addition to which they mention restrictions up to a maximum of 300 digital euros per person. There's no big deal wherever it happens, because what's the difference when you pay with a bank card or use a CBDC app?
Central bank digital currencies are one of the most misunderstood things and have absolutely nothing to do with Bitcoin and will not bring about any kind of financial revolution. Sweden does not have a CBDC, but it is a country where 98% of all payments are made digitally.
yep CBDC are mis understood. thats why its best people do their research.
firstly CBDC are not a single host server at central bank. but a ledger shared with commercial banks too. the recentral bank mint/pre-mine a currency and distribute it as reserves with commercial banks. (Pos/multisig ledger)
the commercial banks the serve their customers beneath them where the commercial banks hoard customer data. not central bank.
the commercial banks also have different 'account' ratings. where a base level account has a max saving/spend limit without KYC of small amount(like $300 per payment) but to do more value customers need to upgrade to a superier account offering more value facility but will require KYC
this base account thing of it like a virtual visa/giftcard account for small purchases. where as those wanting to pay actual larger amounts need a proper registered account