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Progress on the digital euro

The digital euro project is moving forward, backed by high-level political support and shared commitment across Member States.

Building on the preparation phase, which ran from November 2023 to October 2025, we are advancing our technical work and continuing to support the legislative process. If EU lawmakers adopt the regulation in the course of 2026, the digital euro could be issued during 2029.

We regularly document the progress of the project in comprehensive reports. 

Latest updates

Key project developments

Draft digital euro rulebook developed

A draft rulebook has been developed, with input from the Rulebook Development Group. The rulebook sets out common rules, standards, and procedures to ensure the digital euro would work consistently across the euro area. It covers things like how digital euro payments are made, how users are protected and how inclusion is ensured.

How the rulebook has been developed
Providers chosen for the digital euro platform

We have selected providers to help build the digital euro platform. This includes private companies chosen through public tenders, and six national central banks that will deliver key parts of the system. Agreements are in place and any development or operational work will be initiated step-by-step as the project work and legislation progress.

Who are the selected providers?
Explored the innovation potential of the digital euro

We collaborated with market participants from the private and public sectors to explore the digital euro’s innovation potential, imagine new added-value services, and shape its long-term vision. Over 70 banks, universities, fintechs, merchants, and non-bank payment services providers joined our innovation platform to test conditional payments and explore future opportunities across sectors like mobility and e-commerce.

Discover more about the innovation platform

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Progress report

How is work progressing on the digital euro project? This report summarises the progress made during the digital euro preparation phase from November 2023 to October 2025 and outlines the next steps.

Read the full digital euro progress report

For the media

The ECB’s Governing Council has decided to move to the next phase of the digital euro project. This decision follows the successful completion of the preparation phase, launched by the Eurosystem in November 2023, which laid the foundations for issuing the digital euro.

Read the press release

How we got here: the history of the digital euro project 

  • The first steps towards a digital euro project were taken in October 2020 with the ECB's "Report on a digital euro". It examined the potential issuance of a central bank digital currency – a digital euro – by the Eurosystem.
  • Nine months later the ECB's Governing Council decided to launch the digital euro project. The project’s investigation phase ran from October 2021 to October 2023. It involved studying design options and distribution models in close cooperation with EU policymakers and market participants.
  • Based on the findings from this phase, the preparation phase was launched in November 2023. This phase focused on finalising the draft rulebook, selecting providers for a digital euro platform, conducting experimentation and user research, deepening technical analysis on design aspects and engaging with stakeholders.

What's next?

In October 2025, the ECB’s Governing Council decided that the Eurosystem would continue to prepare for the digital euro, with a focus on advancing technical readiness, deepening engagement with market participants and continuing to support the legislative process.

The decision on whether to issue the digital euro will only be considered at a later stage once the European Union’s legislative process has been completed.

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