Like many other Countries, U.S. has been developing and implementing their own digital currency process in their Central Bank.
https://www.investopedia.com/us-cbdc-6740586
This process will first get approval between transactions from sender and receiver to the Bank.
https://www.aciworldwide.com/fednow (Scroll down for the workflow diagram, see FedNow in middle)
These are Financial Institutions that were in Testing for launch in May 2024. See if yours is listed.
The U.S. will allow Bitcoin to be traded as EFT on Stock Exchange. Cryptocurrency is REAL anymore! The world is transitioning.
https://www.forbes.com/advisor/investing/cryptocurrency/sec-approves-new-bitcoin-etf