There is also the European Payment Initiative (EPI). It's an organization set up by a group of banks to streamline payments around (AFAIK) SEPA instant credit transfers.

While I'm highly skeptical of European banks, I'm far more skeptical of CBDCs, and the current EPI plans don't seem to be any worse than current payment processes, privacy wise.

They're just as slow as you'd imagine though. It'll probably be usable by 2050 or something..

https://en.wikipedia.org/wiki/European_Payments_Initiative