Ripple CBDC platform is said to have the required features for mass adoption as it leads the ecosystem to a massive transformation. 
However, there is an issue of a consistent framework for regulating CBDCs. 
Virtual currency backed and issued by the central bank, Central Bank Digital Currency (CBDC), has been one of the most popular innovations in the financial world with 130 countries exploring it. According to a report by the Atlantic Council, only 30 countries were considering CBDC as of May 2020. Interestingly, about 64 countries are currently in the advanced phase of the exploration.
Of the G20 countries, 19 of them are reportedly in the advanced stage with 9 of them already in pilot. 11 countries have so far launched a digital currency fully. The US is said to be making progress with its retail CBDC as other G7 banks including the Bank of England and the Bank of Japan are developing prototypes and consulting public and private sectors for stability issues.
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