[jqpabc123]

See SWIFT

SWIFT is an international transfer system that is outside the purview of a CBDC.

and various payment clearing systems in Europe.

Like the EU's SCT Inst?

   SCT Inst stands for SEPA Instant Credit Transfer scheme. It was introduced by 
   the Euro Retail Payments Board (ERPB) in order to enable rapid electronic 
   payments within the eurozone. In a nutshell, SCT Inst facilitates an instant 
   or near-instant clearing of a transaction between originator and beneficiary. 

ERPB = Central Bank

Credit Transfer Scheme = Digital Currency

Put them together and what do you get --- effectively a CBDC system denominated in Euros instead of Dollars --- minus all the hyperbola, misinformation and doomsday prophecy attached to CBDC on this side of the pond.

In other words, Europe already has a CBDC which explains why their banking system is more advanced than in the US.