On CBDC's... look into ISO20022 compliant crypto assets too - if you haven't already. ISO20022 is the new global messaging format for cross border payments (FRB).
We are betting: 1 + 1 = 1
Ripple Net (XRP) > Institutional CBDC Stellar (XLM) > Retail, DeFi DC
Might all be going back to good old gold and silver backing too!
This is just opinion and theory. Not financial advice and not factional.