The Digital Euro in the Age of On-Chain Finance
summary
European central banks expect a realistic 2029 launch but require co-legislators to finish a legal framework first, then ~2.5–3 years of technical work; offline payments emerge as a unique innovation (device-to-device offline payments), while AML/KYC, legal clarity and public trust are non-negotiable. Blockchain stacks (Cosmos / IBC interoperability) are proposed for cross-border rails, but stablecoin fragility (Terra/Luna’s ~USD 40bn collapse in 2022) shows why central‑bank backing and auditable rails matter.
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chapters (13)
- 0:00Introduction
- 1:03ECB’s digital euro timeline
- 4:23Central banks’ role
- 7:53Blockchain for CBDC interop
- 10:23ECB mandate and trust
- 13:12Central bank backing for assets
- 15:41Preserving cash trust
- 18:31Regulatory challenges
- 21:49Why Europe needs digital euro
- 24:17Future of payments
- 26:03Digital euro milestones
- 27:48Trust: central banks vs blockchain
- 29:14Closing and Q&A
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