The Digital Euro, Stablecoins, and the Banking Sector
Abstract
Nowadays, the debate in developed economies is no longer whether a digital currency will be implemented but how to implement a central bank digital currency. The common consensus is that a central bank digital currency will inevitably be used as a means of payment. This chapter analyses the European Union's strategy on stablecoins, bearing in mind the Digital Euro Project, the consequences of the full application of the European Markets in Crypto-assets Regulation from 2024, and the implications for the banking sector of the implementation of the digital euro as a new means of payment in the eurozone.
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The EU Digital Euro Proposal affirms legal authority through legal tender status, addresses technological governance through offline functionality and privacy-by-design, manages risks through holding limits and GDPR compliance, structures institutional design through mandatory Payment Services Providers participation, and ensures operational resilience through ECB oversight.
“the EU Digital Euro Proposal affirms legal authority through legal tender status, addresses technological governance through offline functionality and privacy-by-design, manages risks through holding limits and GDPR compliance, structures institutional design through mandatory Payment Services Providers participation, and ensures operational resilience through ECB oversight (Palá Laguna, 2023, pp.”
From From Legal Tender to Prohibition: Competing Paradigms in Central Bank Digital Currency Law (2025) · cites this paper as Palá Laguna, 2023, pp. 297-308
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From Legal Tender to Prohibition: Competing Paradigms in Central Bank Digital Currency Law
Zatti, F. (2025) · Strani pravni život · doi:10.56461/spz_25402kj
- Authors
- Laguna, R. P.
- Corresponding author
- Laguna, Reyes Palá
- ORCID
- Laguna, Reyes Palá
- Venue
- Digital Assets and the Law
- Publisher
- Routledge
- Published
- 2023-12-20
- Pages
- 297-308
- OpenAlex
- W4390004953
- Cited by
- 2
- References
- 0
- Citations by year
- 2026: 2
- FWCI
- 2.68
- Type
- book chapter
- Language
- en
- Open access
- closed
- Locations
- Routledge eBooks (publishedVersion)
- Topics
- Social Sciences › Business, Management and Accounting › Management Information Systems › FinTech, Crowdfunding, Digital Finance
- Social Sciences › Economics, Econometrics and Finance › General Economics, Econometrics and Finance › Digital Transformation in Financial Services
- Physical Sciences › Computer Science › Information Systems › Blockchain Technology Applications and Security
- Keywords
- central bank digital currency, digital euro, stablecoins, crypto-assets regulation, banking sector, payment methods, euro area
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