6.9 Banking 欧盟立法者推动数字欧元框架，强调隐私保护与支付自由。数字欧元预计2029年推出，旨在补充现金并减少对外国支付服务商依赖。
欧洲立法者正积极推动数字欧元的法律和监管框架，展现出对央行数字货币（CBDC）的强烈政治支持。预计数字欧元最早将于2029年推出，相关议会委员会已批准立法草案，打破多年来的僵局。这一进展与欧洲央行（ECB）2027年中期试点、2029年全面发行的时间表保持一致。 数字欧元将支持线上与线下支付，具备隐私保护、持有额度限制及禁止支付利息等机制。该框架旨在减少对外国支付服务商的依赖，统一欧元区标准，并确保数字欧元作为现金的补充而非替代。 立法者强调用户隐私和支付选择自由，银行及金融科技公司将负责分发和接入。立法流程仍在继续，三方谈判及后续投票已安排，这标志着欧洲货币政策演进的重要一步。
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