Пьеро Чиполлоне: Цифровой евро не заменит наличные деньги

cryptonews.ruPublished on 2025-10-16Last updated on 2025-10-16

Участник исполнительного совета Европейского центрального банка (ЕЦБ) Пьеро Чиполлоне (Piero Cipollone) заявил, что цифровой евро не сможет заменить наличные деньги, но дополнит их как платежное средство.

С 2019 по 2024 год объем операций с наличными в еврозоне резко сократился, зато стали преобладать цифровые платежи, посетовал банковский чиновник. Европейцы стали больше зависеть от международных платежных систем, находящихся за пределами ЕС. Это создает риски, что Евросоюз потеряет платежный суверенитет, увеличатся расходы и ослабнет конкурентоспособность стран-участниц.

В ЕЦБ верят, что цифровой евро поможет сохранить финансовый суверенитет Европы. Благодаря цифровой валюте центрального банка (CBDC) у европейцев появится собственный платежный инструмент, принимаемый по всему миру. Люди смогут расплачиваться CBDC, даже если использование наличных продолжит сокращаться, пообещал Чиполлоне.

Недавно ЕЦБ заявил, что запуск цифрового евро может состояться в 2029 году. Чиполлоне уточнил: в 2025 году ЕЦБ протестирует разные варианты использования своей цифровой валюты, привлекая частные компании. Эксперименты будут включать проведение автоматизированных платежей, к примеру, оплату проезда в общественном транспорте и возврат средств.

Цифровой евро будет иметь функцию офлайн-платежей, чтобы пользователи могли совершать транзакции без мобильной связи и подключения к интернету, говорят в ЕЦБ. Людям будет предложено специальное приложение, а ЕЦБ введет лимит на хранение CBDC и не станет выплачивать проценты на остаток, чтобы не спровоцировать отток капитала из банков.

В прошлом году Чиполлоне пообещал, что цифровой евро обеспечит высочайшую степень конфиденциальности пользователей. По его словам, цифровой евро будет приватнее частных стейблкоинов.

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