CBDCs will be slowly rolling out in some countries.
Quarter by quarter the number of countries that have a) CBDC regulation (laws but no tech) b) CBDC pilots or c) full CBDC rollout will slowly increase.
The EU as a whole will have a centralized CBDC regulation/laws by Q4.
There will be individual EU countries with CBDC pilots at city-level by Q4.
There will be at least one African country trying and failing at a CDBC roll-out, sort of following the failed footsteps of Nigeria.