I know what XRP is. I don't think it should be sold to people as a daily use currency because it provides absolutely no privacy, is totally centralized, and uses a closed validator network rather than fair proof of work consensus, so yes it is a CBDC. Just because it's not being made mandatory by the government doesn't mean it's not a CBDC.

Also not saying there's no use case for XRP. I'd be totally fine if XRP ends up being the tool used by nation states and international banks for instant settlement, but that's where it should stay, not try to compete with BTC as a store of value or with XMR as private digital cash, because it is neither of those things.