I reckon so too, 2025.
It makes me wonder how things will go...will there be a big leap towards it or will it keep transitioning as it's doing now. Socially also, how will society look and react? Not well I think, it's already degrading at a high rate.
We´re probably already in the middle of it is my guess. Most people today already pay cashless all the time. The fun part will be the transitioning to a cbdc. I can´t even fully remember how it was when we went from Deutsche Mark to Euro.
Anyway, hey positive thinking :) haha
I think it's best to think positively, although it's difficult to do so when the banks are telling people what they can spend their money on and putting limits and blocks on transactions.