BCE mira 2029 como prazo realista para lançamento do euro digital

O banco central europeu acelera os planos para a moeda digital do bloco - mas mantém prazos conservadores enquanto navega por águas regulatórias turbulentas.

Linha do tempo estratégica

Os técnicos do BCE mapearam um caminho de implementação em cinco fases, com testes de segurança programados para 2027 antes do lançamento público. A abordagem faseada busca evitar os erros de lançamentos apressados de CBDC em outras jurisdições.

Proteções de privacidade versus controle

O design proposto inclui limites de transação para indivíduos e restrições mais rígidas para empresas - concessões necessárias para acalmar legisladores preocupados com vigilância financeira. Funcionários garantem que o euro digital complementará o dinheiro físico, não o substituirá.

Os bancos comerciais observam atentamente enquanto o BCE promete que a nova infraestrutura não cortará seus modelos de negócios - uma promessa que soa estranhamente familiar para quem acompanha as inovações do setor financeiro.

EU’s finance ministers agree on digital euro’s launch roadmap

🔥 DIGITAL EURO IS COMING

The European Central Bank plans to launch its CBDC — the digital euro — this October.

Christine Lagarde praises China’s model, calling it “of service to all citizens.”

But CBDCs track who spends what, where, and when — and can be programmed to:… pic.twitter.com/ELXGgToJU4

— Jim Ferguson (@JimFergusonUK) September 22, 2025

The bloc’s finance ministers agreed on a roadmap for launching a digital euro on Friday. The digital currency aims to become an alternative to the current dominant U.S.-based Visa and Mastercard system.

This year, the EU has ramped up discussions on a digital wallet backed by the European Central Bank, seeking to reduce its dependence on other nations in key areas like finance, energy, and defence. The central bank is also pushing for the digital euro as a response to U.S. President Donald Trump’s global push for stablecoins pegged to the U.S. dollar.

The bloc’s central bank is yet to secure legislative approval for stablecoins. EU lawmakers and bankers have complained that stablecoins may hollow out banks’ coffers, curtail privacy, or cost a lot.

“The digital Europe is not just a means of payment, it is also a political statement concerning the sovereignty of Europe and its capacity to handle payment, including on a cross-border basis, with a European infrastructure and solution.”

-Christine Lagarde, President of the European Central Bank.

Ministers from the 27-nation bloc met with Lagarde and European Commissioner Valdis Dombrovskis in Copenhagen on Friday, where they agreed on the next steps on the digital euro. The meeting was meant to determine whether a digital currency will be issued and how many euros each resident can hold. The initiative is seen as significant for easing fears of a run on bank deposits.

Paschal Donohoe, who chairs meetings of finance ministers, mentioned that the meeting reached a conclusion that, before the ECB makes a final decision in relation to issuance, there would be an opportunity for a discussion in the Council of Ministers. He also revealed a celebrated compromise with Lagarde and Dombrovskis on the procedure for setting the holding limit, but they didn’t disclose further details.

The European Commission proposed a digital euro legislation in June 2023, but the European Parliament and the European Council have yet to sign off on it. The European Council is also looking to complete its part of the work by the end of 2025.

Witlox says digital euro to become legal tender after legislation approval

Cryptopolitan previously reported that the program director in charge of ECB’s Digital Euro project, Evelien Witlox, said in June that it’s likely, but not inevitable, that a digital euro would be established in Europe. At the fintech conference, Money20/20, she said the digital euro will become legal tender once the draft legislation is adopted.

Witlox mentioned that the ECB finds the dependence on non-European players not good for Europe’s economic sovereignty. She questioned what would happen if, at one moment in time, the providers were unable to provide their services for one reason or another. 

The ECB’s official added that there are some serious concerns about the amount of data involved in payments with non-European service providers. She argued that there are widespread concerns that digital assets would allow governments to spy on people’s payments. Witlox reiterated the ECB’s stance on ensuring privacy would be an important design feature.

Witlox revealed that the digital euro would not be programmable or designed to be used only in certain circumstances, like vouchers. The ECB also said it has not yet decided whether or not a digital euro will use blockchain technology like Bitcoin and other virtual currencies.

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