And like that link says, they are all either pilots or proofs of concepts. There are several different pilots launched all the time in the world, on several areas of economy. Most of them won't ever go pass the pilot stage. It could still take some time for right tech to emerge.

Oh yeah, there's one launched in Nigeria, but i don't have high hopes for that system to get adopted widely.

Also, digital fiat isn't necessarily cryptocurrency. In fact far from it. Likely it will be a travesty.