🚀 Central bankers are cooling on CBDCs, with enthusiasm dropping from 31% to 13% in 2024. Instead, they're eyeing instant payment systems like the US FedNow for cross-border transactions. Stablecoins? Still getting the cold shoulder with a 0% vote. Meanwhile, tokenization is gaining traction, with over 40% of central banks in developed markets keen to explore it. The BIS's Project Agora is leading the charge, but don't expect blockchain to dominate cross-border payments just yet. The trusty US dollar remains the go-to, with only 11% of banks reducing its use.