Not true, some CBDCs are retail CBDCs that target end consumers. Settlements can already be real time with RTGS systems (real time gross settlements) but 1. N

Not true, some CBDCs are retail CBDCs that target end consumers. Settlements can already be real time with RTGS systems (real time gross settlements) but 1. Not all central banks have that 2. Not every country has a central bank and not every central bank has an account with the central bank of central banks (BIS) 3. Even then, not every bank has an account with your central bank A CBDC is a thus a more modern protocol that is easier to integrate (and that has nothing to do with cryptocurrencies) and a more secure system where no single point of failure exists due to some degree of decentralization (that’s the part inspired by cryptocurrencies).