{"id":41178,"date":"2026-03-25T09:00:00","date_gmt":"2026-03-25T08:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=41178"},"modified":"2026-03-22T20:27:09","modified_gmt":"2026-03-22T19:27:09","slug":"11-qa-digital-euro","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/11-qa-digital-euro\/","title":{"rendered":"11 Q and A on the digital euro"},"content":{"rendered":"
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L’arribada de l’euro digital significar\u00e0 la desaparici\u00f3 dels diners en efectiu? Ser\u00e0 una eina de major control sobre els ciutadans? Quins s\u00f3n els arguments del Banc Central Europeu per estimular la seva implantaci\u00f3? Des d\u201911Onze, t’oferim la resposta a onze preguntes fonamentals sobre l’euro digital.<\/b><\/h3>\n

 <\/p>\n

Christine Lagarde, presidenta del Banc Central Europeu (BCE), justificava recentment la <\/span>necessitat d’un euro digital<\/b> per la \u201ctransformaci\u00f3 potencialment disruptiva\u201d que est\u00e0 experimentant el model de pagaments a causa de l’augment de les transaccions digitals, l’aparici\u00f3 de nous actius digitals i l’entrada de gegants tecnol\u00f2gics com Google o Amazon en el mercat dels pagaments.<\/span><\/p>\n

L’auge dels pagaments digitals queda patent en un <\/span>estudi<\/span><\/a> del BCE, que indica que<\/span> l\u2019any 2022 el valor dels pagaments amb targeta (46%) ja va superar al dels pagaments en efectiu (42%)<\/b>. I aix\u00f2 sense comptar altres formes de pagament com les aplicacions m\u00f2bils. Davant aquesta realitat, Lagarde advertia que els diners tal com els coneix\u00edem podrien perdre el seu paper d’\u00e0ncora monet\u00e0ria, \u201camena\u00e7ant la seva funci\u00f3 clau per garantir la confian\u00e7a en els pagaments\u201d.<\/span><\/p>\n

Sense aquesta \u201c\u00e0ncora p\u00fablica\u201d, <\/span>l’aparici\u00f3 de nous tipus d’actius digitals, com les criptodivises, podria generar \u201cinestabilitat i confusi\u00f3<\/b> entre els ciutadans sobre el que s\u00f3n diners i el que no ho s\u00f3n\u201d, segons la presidenta del BCE, qui advertia sobre la volatilitat dels criptoactius i la necessitat de desenvolupar la <\/span>regulaci\u00f3<\/span><\/a>.<\/span><\/p>\n

A m\u00e9s, Lagarde indicava que<\/span> l’entrada dels gegants tecnol\u00f2gics en el mercat de pagaments<\/b> \u201cpodria incrementar el risc de domini del mercat i la depend\u00e8ncia de tecnologies de pagament estrangeres\u201d, argumentant que \u201cen l’actualitat m\u00e9s de dos ter\u00e7os de les operacions de pagament amb targeta a Europa s\u00f3n gestionades per empreses amb seu fora de la Uni\u00f3 Europea\u201d.<\/span><\/p>\n

En aquest context, est\u00e0 previst que al llarg d’aquest semestre la Comissi\u00f3 Europea faci una proposta sobre el marc legal de l’euro digital. Encara s\u00f3n moltes les inc\u00f2gnites sobre la futura moneda, encara que <\/span>el Banc Central Europeu ja ha esbossat quins haurien de ser les grans l\u00ednies mestres de la seva implantaci\u00f3<\/b>. De totes maneres, no podem oblidar que el seu \u00e8xit o frac\u00e0s dependr\u00e0 en \u00faltima inst\u00e0ncia del grau d’adopci\u00f3 que assoleixi entre els ciutadans de la zona euro.<\/span><\/p>\n

Substituir\u00e0 l\u2019euro digital als diners en efectiu?<\/b><\/h3>\n

No. El BCE ho ha deixat clar: l’euro digital seria un complement dels diners en efectiu, no un substitut<\/strong>, aix\u00ed que els bitllets i monedes seguiran en circulaci\u00f3. La idea \u00e9s que l’euro digital funcioni en paral\u00b7lel a l’efectiu per donar resposta a la creixent demanda dels consumidors per fer pagaments digitals de manera r\u00e0pida i segura. Per\u00f2 la seva funci\u00f3 va m\u00e9s enll\u00e0. Segons la presidenta del BCE, l’euro digital \u201cgarantir\u00e0 que els diners continu\u00efn denominant-se en euros\u201d i permetr\u00e0 refor\u00e7ar \u201cl\u2019autonomia d’Europa\u201d.<\/span><\/p>\n

Quin ser\u00e0 el seu calendari d’introducci\u00f3?<\/b><\/h3>\n

El juliol de 2021 es va iniciar una fase de recerca del projecte que hauria de culminar l’octubre de 2023. En paral\u00b7lel, la Comissi\u00f3 Europea haur\u00e0 d’elaborar una proposta de marc legal per a l’euro digital en els pr\u00f2xims mesos. A la fi d’enguany, el BCE hauria de decidir si es passa a la seg\u00fcent fase, centrada en el desenvolupament de serveis integrats<\/strong>. En aquesta fase, que podria durar entre un i tres anys, es farien proves i possibles experiments reals amb l’euro digital. Amb aquests condicionants, els experts estimen que l’euro digital podria estar operatiu a partir de 2025 o 2026.<\/span><\/p>\n

Es considerar\u00e0 una moneda de curs legal?<\/b><\/h3>\n

Tot indica que s\u00ed. La presidenta del BCE ha dit que \u201cseria in\u00e8dit emetre diners del banc central per als pagaments al detall sense estatus de moneda de curs legal nom\u00e9s perqu\u00e8 circula electr\u00f2nicament\u201d. I afegia que \u201cl’euro digital nom\u00e9s pot funcionar com una \u00e0ncora monet\u00e0ria si es converteix en un mitj\u00e0 d’intercanvi digital convenient que formi part de la vida quotidiana dels europeus\u201d. En aquest sentit, Lagarde apuntava que, per assolir els suficients efectes de xarxa, l’\u00fas de l’euro digital hauria d’estendre’s no sols al comer\u00e7 electr\u00f2nic i els pagaments \u2018peer to peer\u2019, sin\u00f3 tamb\u00e9 als pagaments digitals efectuats en botigues f\u00edsique<\/strong>s, que en 2019 van suposar 40.000 milions de transaccions.<\/span><\/p>\n

Existir\u00e0 paritat entre els euros digitals i els f\u00edsics?<\/b><\/h3>\n

S\u00ed. En paraules de Christine Lagarde, l’euro digital \u201csalvaguardar\u00e0 la confian\u00e7a dels ciutadans en qu\u00e8 un euro \u00e9s un euro, permetent-los convertir els diners privats en diners digitals del banc central en paritat\u201d.<\/span><\/p>\n

Quin nivell de privacitat oferir\u00e0?<\/b><\/h3>\n

Tot i que el 43% dels europeus va qualificar la privacitat com l’aspecte m\u00e9s rellevant de l’euro digital, la presidenta del BCE ha reconegut que \u201cl’anonimat total que ofereix l’efectiu no sembla una opci\u00f3 viable\u201d per a l’euro digital. No obstant aix\u00f2, el regulador bancari europeu indica que l’euro digital permetria efectuar pagaments sense compartir dades amb tercers, tret que sigui necessari per prevenir activitats il\u00b7l\u00edcites<\/strong>. I adverteix que, per tal que els pagaments continu\u00efn sent una q\u00fcesti\u00f3 privada, caldria protegir diferents tipus de dades, inclosos la identitat de l’usuari, les dades de cada pagament (per exemple, el seu import) i metadades de l’operaci\u00f3 com l’adre\u00e7a IP del dispositiu utilitzat. En aquest sentit, \u00e9s probable que existeixin diferents graus de privacitat en funci\u00f3 dels pagaments i que els usuaris hagin d’identificar-se la primera vegada que accedeixin als serveis de l’euro digital. Lagarde especificava que \u201calmenys s’hauria de proporcionar un nivell de privacitat igual al de les solucions de pagament electr\u00f2nic actuals\u201d i assenyalava que s’est\u00e0 explorant si l’euro digital \u201cpodria replicar algunes caracter\u00edstiques de l’efectiu i permetre una major privacitat en els pagaments de baix valor i baix risc, fins i tot en els pagaments offline\u201d.<\/span><\/p>\n

Ser\u00e0 una moneda alternativa dins de l’Eurosistema?<\/b><\/h3>\n

No. L’euro digital nom\u00e9s seria una forma m\u00e9s de pagar en euros i seria convertible en paritat amb els bitllets f\u00edsics. El BCE insisteix que l’objectiu \u00e9s respondre a la creixent prefer\u00e8ncia dels ciutadans<\/strong> i les empreses pels pagaments digitals.<\/span><\/p>\n

Quins avantatges tindr\u00e0 respecte a les \u2018stablecoins\u2019 i els criptoactius?<\/b><\/h3>\n

L’euro digital estar\u00e0 recolzat pel BCE, que recorda que una de les tasques encomanades als bancs centrals \u00e9s la de \u201cmantenir el valor dels diners, amb independ\u00e8ncia de la seva forma f\u00edsica o digital\u201d. Si b\u00e9 l’elevada inflaci\u00f3 dels \u00faltims temps q\u00fcestiona la seva efici\u00e8ncia per complir aquest mandat, \u00e9s evident que el suport del BCE garantir\u00e0 una major estabilitat que l’exhibida per les \u2018stablecoins\u2019 i els criptoactius, que s\u00f3n molt vol\u00e0tils. L’organisme europeu adverteix que \u201cl’estabilitat i fiabilitat de les \u2018stablecoins\u2019 depenen de l’entitat que les emet i de la credibilitat i aplicabilitat del seu comprom\u00eds de mantenir el seu valor al llarg del temps\u201d<\/strong>. I afegeix que, quan no existeix una entitat reconeguda responsable d’un criptoactiu, els consumidors no poden reclamar els seus drets. A m\u00e9s, el BCE adverteix del risc que els emissors privats utilitzin les dades personals amb finalitats comercials.<\/span><\/p>\n

Quins incentius tindran els consumidors per emprar l’euro digital?<\/b><\/h3>\n

El BCE assegura que l’euro digital ser\u00e0 un mitj\u00e0 de pagament digital tan segur, f\u00e0cil de fer-se servir i barat com ho \u00e9s l’efectiu actualment. La idea \u00e9s que no tingui costos per a les persones que l\u2019usin en els pagaments ordinaris i que pugui usar-se en qualsevol lloc de la zona euro<\/strong>. En un m\u00f3n en el qual els pagaments electr\u00f2nics s\u00f3n cada vegada m\u00e9s freq\u00fcents, l’euro digital oferiria a individus i empreses una opci\u00f3 addicional per pagar fent servir diners del banc central. A m\u00e9s, l’euro digital podria oferir caracter\u00edstiques avan\u00e7ades, com a funcions de pagament automatitzades o alguna forma d’identitat digital.<\/span><\/p>\n

Hi haur\u00e0 l\u00edmits en la conversi\u00f3 d’euros f\u00edsics a euros digitals?<\/b><\/h3>\n

Probablement. S’estan avaluant opcions que impedeixin mantenir imports elevats d’euros digitals<\/strong> com a inversi\u00f3 lliure de risc.<\/span><\/p>\n

Hi haur\u00e0 diferents nivells de remuneraci\u00f3?<\/b><\/h3>\n

Tamb\u00e9 \u00e9s molt possible. Segons el BCE, si la tinen\u00e7a d’euros digitals es remuner\u00e9s, la remuneraci\u00f3 del tram corresponent a pagaments al detall ordinaris<\/strong> (\u00e9s a dir, de \u201cnivell un\u201d) seria zero o positiva i, per tant, mai inferior a la de l’efectiu. El regulador bancari europeu considera que la remuneraci\u00f3 del \u201cnivell dos\u201d hauria de ser una mica inferior a la dels actius considerats segurs. L’objectiu seria evitar que l’euro digital es converteixi en una forma d’inversi\u00f3.<\/span><\/p>\n

Es basar\u00e0 en la tecnologia \u2018blockchain\u2019?<\/b><\/h3>\n

Encara no s’ha decidit. L’Eurosistema es planteja diferents enfocaments i tecnologies per crear l’euro digital. Aix\u00f2 inclou solucions centralitzades i descentralitzades, com \u2018blockchain\u2019<\/strong>, per\u00f2 encara no s’ha adoptat cap decisi\u00f3 sobre aquest tema.<\/span><\/p>\n

En un m\u00f3n marcat per la revoluci\u00f3 dels mitjans de pagament i l’auge dels criptoactius, que estan erosionant el paper dels bancs centrals i les monedes fiduci\u00e0ries, el BCE vol que l’euro digital es converteixi en \u201cla millor manera de gestionar la <\/span>transici\u00f3 a l’era digital<\/b>\u201d.<\/span><\/p>\n

 <\/p>\n

11Onze \u00e9s la fintech comunit\u00e0ria de Catalunya. Obre un compte descarregant l’app El Canut per <\/b>Android<\/b><\/a> o <\/b>iOS<\/b><\/a>. Uneix-te a la revoluci\u00f3!<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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