Fednow is not a cbdc.
It’s akin to Zelle or Venmo.
A CBDC cannot be allowed to happen. Fednow is a who cares level event.
Could they somehow morph it into a CBDC? Maybe, but it isn’t one now.
Hope you’re right.
However that zelle is ripe for abuse & fraud
As you were saying:
They currently state that “no decision has been made”
https://www.federalreserve.gov/central-bank-digital-currency.htm
Central Bank Digital Currency (CBDC)
While the Federal Reserve has made no decisions on whether to pursue or implement a central bank digital currency, or CBDC, we have been exploring the potential benefits and risks of CBDCs from a variety of angles, including through technological research and experimentation. Our key focus is on whether and how a CBDC could improve on an already safe and efficient U.S. domestic payments system.
(excerpt)
PRISONS HAVE TO BE BUILT BEFORE THEY CAN BE OCCUPIED.