2024-05-19-欧洲央行-数字欧元盘点和下一步行动（英）_23页_1mb

Digital Euro Summary

Core Content

The Digital Euro is a proposed public digital payment solution aimed at complementing cash and card payments in the euro area. It is designed to offer users a secure, private, and flexible means of making digital payments, while also ensuring the resilience and autonomy of the European financial system.

Main Objectives

• Reflecting evolving payment trends: The digital euro is intended to meet the increasing demand for digital payments while still preserving the option to use cash.
• Providing a public digital means of payment: It would be freely available for all digital transactions within the euro area, ensuring accessibility and inclusivity.
• Strengthening Europe's strategic autonomy: Reducing dependence on non-European payment providers and promoting a unified European payment infrastructure.

Key Design Choices

Features of the Digital Euro

• Cash-like features: Offers privacy, offline access, and no remuneration for holdings.
• Pan-European reach: Designed to be usable across the entire euro area.
• Free for basic use: Ensures affordability for all users.
• Respect for privacy: Uses pseudonymised data and state-of-the-art data safeguards.

Technologies

• Internet, NFC, QR codes: The digital euro will be supported by various technologies to facilitate use across different devices and platforms.
• Online and offline functionality: Users can make payments both online and offline, enhancing usability in diverse scenarios.

Use Cases

• Digital euro app: A user-friendly interface for managing and making payments.
• PSP app: Payment service providers (PSPs) will be central to the distribution and management of the digital euro.
• Physical card: Users can also use a physical card to make digital euro payments.
• Web interface: For users who prefer to manage their digital euro through a browser.

Intermediaries

• PSPs: Will be the primary distribution channels for the digital euro.
• Public entities: Will also act as intermediaries for users without bank accounts, ensuring inclusivity.

Privacy and Security

• Pseudonymisation: The Eurosystem will not identify individuals based on their transactions, only a minimal set of pseudonymised data.
• Data safeguards: Internal data segregation and auditing will be implemented to ensure high data protection standards.
• Flexibility: The Eurosystem will adopt additional privacy-enhancing techniques as they become ready and tested.

International Dimension

• The digital euro will be designed with the international dimension in mind, allowing for temporary access for visitors and future interoperability with non-euro area schemes.

Project Timeline

Legislative Process

• The ECB Governing Council will decide on issuing a digital euro only after the legislation has been adopted.
• The project will evolve in parallel with the legislative process to ensure readiness.

Stakeholder Involvement

• The Rulebook Development Group (RDG) is involved in defining the digital euro scheme with broad market participation, including intermediaries, retailers, and consumers.

Additional Supporting Materials

• Updated digital euro FAQ
• Report: A stocktake on the digital euro
• ECB opinion on the European Commission's digital euro legislative proposal
• Digital euro two-pager
• Digital euro booklet
• Digital euro LinkedIn page

Conclusion

The digital euro is a strategic initiative to modernise the European payment landscape, ensuring resilience, privacy, and inclusivity. It is being developed through a collaborative public-private approach, with a focus on innovation, interoperability, and user-centric design. The project is currently in the investigation and preparation phases, with a timeline leading up to potential development and rollout in 2025.