What is the difference between Islamic and Riba-based banks, and is it true that there is no difference between them due to the commingling of all funds in the central bank?

The difference between Islamic and Riba-based banks has been previously discussed in Fatawa (religious edicts) numbered: 31692, 32194, 34968, 33862, and 36916. The misconception regarding the relationship between Islamic banks and the Central Bank has also been addressed in Fatawa: 50618, 10734, and 45281.