How would a USD CBDC interact with Fednow? My understanding is that Fednow will provide a way for fast interbank transactions with instant settlement because th

How would a USD CBDC interact with Fednow? My understanding is that Fednow will provide a way for fast interbank transactions with instant settlement because the accounts will be held directly at the Fed, by commercial financial institutions, on behalf of consumers. Rather than the current ACH system where banks settle between each other after several days via the clearing house. If I have deposits in US CBDC, who will act as the equivalent of my credit card company or credit union? For example, who protects against fraud or reverses transactions? What would be the benefits of having CBDC deposits vs having a Fednow-enabled account at my credit union?