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Based on this list yea I think you're exactly right, even Europe doesn't use the Euro where it matters... UK is out, Norway is the energy powerhouse but does its own thing, hard to imagine Germany getting its shit together in time... their panic over US Stablecoins tells you they know their is no demand for their shitcoin.
They are not going to use... JPY in the EU. Having said that, I can definitely see the appeal of US dollar stablecoins... even in the EU. I hadn't thought about that angle with regards to the EU CBDC
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