​ECB begins preparations to roll out digital euro via ATMs and payment terminals

​ECB begins preparations to roll out digital euro via ATMs and payment terminals
ECB prepares digital euro for integration into existing payment systems

The European Central Bank (ECB) is moving into the practical phase of developing the digital euro and is seeking experts to support its integration into payment infrastructure. The initiative focuses on enabling the use of the digital currency through ATMs, payment terminals and other acceptance channels.

The regulator has opened applications for two workstreams within its Rulebook Development Group. These groups will work on technical standards for ATM and terminal providers, as well as frameworks for testing, certification and approval of payment solutions within the digital euro ecosystem, according to an ECB press release.

The key objective is to define how the digital euro will operate alongside existing payment systems. Particular attention is being given to offline payments and interoperability with European standards to ensure seamless functionality across countries.

What it means for the market

The shift to technical development signals that the digital euro project is moving beyond the conceptual stage and closer to implementation. The ECB has previously said it plans to launch a pilot in the second half of 2027, involving a limited number of banks, payment service providers and merchants.

The digital euro is expected to complement rather than replace the existing financial system, integrating into familiar payment tools and infrastructure.

It is worth noting that on Dec. 19, 2025, the Council of the European Union agreed on its position on the digital euro, supporting the simultaneous rollout of both online and offline functionality.

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