Correct me if I’m wrong Do you use credit cards? That’s CBDC because money is all electronics now. Your money in the bank is electronic. You think they have the physical money sitting in the bank? XRP can move anything of value, fiat money backed by gold, assets backed currency. If dollars are backed by gold, we can still use XRP to transfer money to other countries with cbdc, when money transfers back to us we can covert it back to asset backed currency. XRP is a bridge/utility currency, not a meme coin.