西班牙银行在现有支付基础设施上路试“数字欧元”

于 2022 年 30 月启动，多达 XNUMX 家银行与基础设施提供商 Bizum、Iberpay 和 Redsys 合作运行了 PoC，旨在深入分析数字欧元及其技术、运营和业务影响。与现有支付工具共存。

这些测试涵盖了数字欧元支付的各种用例，包括个人对个人的交易以及在线和实体商务中的支付。

该财团表示，研究结果为数字欧元设计指明了道路，该设计将利用现有的支付轨道和增值服务，例如西班牙即时支付平台 Bizum。

“In particular, Bizum would be prepared to interconnect with other potential European services. Its existing mechanisms for user registration, portability processes between different financial entities, authentication, transaction processing, fraud prevention and management, along with other available services or standards (eg instant payments), could be leveraged to ensure the same level of guarantees, security, and privacy offered by current payment methods in a future digital euro,” states the consortium. “Additionally, this approach could help reduce the significant effort required for deploying an entirely new infrastructure and the adaptations to be performed by market participants.”

整个欧洲更快的支付服务的互联一直是欧洲央行的长期目标，预计该央行将于本月晚些时候完成对数字欧元实施的研究。

另一个优势是促进消费者和企业对数字欧元的采用和理解，因为新的数字货币将融入快速、安全的用户体验中，而这种体验已经被超过一半的西班牙人口所了解和使用。

“In this regard, the PoC has highlighted the importance of defining an equally simple user experience for offline payments, which would be the main differentiating factor of the digital euro compared to existing solutions.”