{"id":524735,"date":"2026-03-06T12:00:00","date_gmt":"2026-03-06T17:00:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=524735"},"modified":"2026-03-06T11:30:42","modified_gmt":"2026-03-06T16:30:42","slug":"digital-euro-enters-pilot-phase-with-questions-around-its-viability","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/digital-euro-enters-pilot-phase-with-questions-around-its-viability\/","title":{"rendered":"Digital Euro Enters Pilot Phase, with Questions Around Its Viability"},"content":{"rendered":"\n<p>The European Central Bank has invited licensed payment service providers (PSPs) to help shape the long-awaited digital euro as it enters its pilot phase\u2014a chance to prove the currency still has a role in the global payments landscape.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.ecb.europa.eu\/euro\/digital_euro\/timeline\/profuse\/shared\/pdf\/ecb.dep260305_call_for_expression_of_interest.en.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Participating PSPs<\/a> will test the technical and operational readiness, evaluate the user experience, and experiment with communication, branding, and marketing approaches. The digital euro is expected to launch in the second half of 2027.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-psps-should-look-for\">What PSPs Should Look For<\/h2>\n\n\n\n<p>Feedback from PSPs will influence the asset\u2019s technical development, helping to identify and avoid potential pain points before its official rollout.<\/p>\n\n\n\n<p>\u201cIf PSPs have to rebuild plumbing every time a spec or nuanced change is made, this won&#8217;t work, so it needs to have solid API and software development kits for integration,\u201d said <a href=\"https:\/\/javelinstrategy.com\/our-team\/joel-hugentobler-0\" target=\"_blank\" rel=\"noreferrer noopener\">Joel Hugentobler<\/a>, Cryptocurrency Analyst at Javelin Strategy &amp; Research. \u201cIt needs to be simple and easy to use and integrate. They need to push for a credible, banking type commercial model.\u201d<\/p>\n\n\n\n<p>\u201cThe liability and fraud part is going to be tricky, so they need to ask for clear and specific rules for these types of situations,\u201d he said. \u201cThey also need a \u2018standardized integration\u2019 stack or package to enable seamless integration and greater adoption. No one participating should be reinventing the wheel here, but a solid framework needs to be in place or it won&#8217;t gain traction.\u201d<\/p>\n\n\n\n<p>One drawback of the pilot is that PSPs are expected to build, onboard, certify, and operate the digital euro at their own expense. As a result, participation is likely to be limited to the largest players.&nbsp;<\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-a-difficult-path\">A Difficult Path<\/h1>\n\n\n\n<p>The digital euro\u2019s journey has been challenging since its inception in 2020. Originally designed to counter the growing influence of foreign currencies and global payment networks such as Visa and Mastercard, it now faces competition from stablecoins, which have assumed a key role in cross-border payments\u2014one the digital euro was meant to fill.<\/p>\n\n\n\n<p>The pilot may be the final test to determine whether the digital euro can carve out a meaningful place in payments. But the question remains: does it still have a future?<\/p>\n\n\n\n<p>\u201cThere are a lot of nuances there, but the short answer is no,\u201d Hugentobler said. \u201cI think what the current administration is doing and pushing for will strengthen stablecoins and the U.S. dollar even more, potentially squeezing out others.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The European Central Bank has invited licensed payment service providers (PSPs) to help shape the long-awaited digital euro as it enters its pilot phase\u2014a chance to prove the currency still has a role in the global payments landscape. Participating PSPs will test the technical and operational readiness, evaluate the user experience, and experiment with communication, [&hellip;]<\/p>\n","protected":false},"author":8441,"featured_media":456237,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"1271"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,64516],"tags":[62137,62664,62440,62679,61214],"class_list":["post-524735","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-digital-assets-crypto","tag-cbdc","tag-digital-euro","tag-psp","tag-stablecoin","tag-the-european-central-bank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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