欧洲央行：2024年数字欧元：货币的未来报告（英文版）

There is currently no European digital means of payment covering all euro area countries: 13 out of 20 euro area countries don’t have a national card scheme and instead rely on international schemes for digital payments, which settle 69% of all digital transactions in the EU A digital euro would fill this gap, providing a European digital means of payment accessible and accepted in all euro area countries A digital euro would provide a pan-European platform that would standardise digital paym