InsightsWhitepapersDigital euro: the roadmap to 2029 and what could change for banks, PSPs and businesses

Digital euro: the roadmap to 2029 and what could change for banks, PSPs and businesses

From the ECB's project to operational impacts: this whitepaper analyses the roadmap for the digital euro, its key requirements (privacy by design, offline payments, limits and anti-fraud) and adoption scenarios. It focuses on how processes, wallets and integration are changing for banks, PSPs and merchants, as well as the drivers for innovating services and business models.

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Towards a new era of European digital payments

The digital euro represents much more than a mere technological innovation; it is a strategic project for Europe's monetary sovereignty and digital autonomy.

The journey towards the digital euro began in October 2020 with the publication of the ECB's first report examining the potential issuance of a European CBDC. Since then, the project has gone through several structured phases and is set to be launched in 2029.

Towards a new era of European digital payments

The digital euro represents much more than a mere technological innovation; it is a strategic project for Europe's monetary sovereignty and digital autonomy.

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What you can find in this document:

How the digital euro project is evolving. Phases, stakeholders, rulebooks, experiments and the timeline up to the potential launch by 2029.
The design choices that will determine its adoption. Privacy by design, “cash-like” offline payments, security, AML/CFT, holding limits and waterfall mechanisms.
Why the digital euro opens up new opportunities for PSPs, banks and merchants. Standard platform with SDK/API, value-added services and use cases (escrow, digital receipts, micropayments, advanced wallets) enabled by Open Finance.