@josemurilo @uira Regarding the European conversation, right now it's mostly talking. There is this event coming up: https://digital-independence.eu/ (sorry for the bad accessibility on that page) and a lot of discussion on the topic, but not a lot of concrete work yet.
I think Brazil is ahead on this topic. I look at something like Pix and I think "Hey! Why isn't the European Central Bank doing that!?"