欧洲央行-数字欧元计划规则手册开发小组工作的最新进展（英）

Update on the work of the digital euro scheme’s Rulebook Development Group 09 April 2025 Executive summary One of the key deliverables of the digital euro preparation phase is the draft digital euro scheme rulebook, which is being developed in cooperation with the digital euro scheme’s Rulebook Development Group (RDG).1 To ensure a high level of transparency, the European Central Bank (ECB) frequently provides updates on the status of the rulebook’s development and the work of the RDG. This report provides information about the RDG’s activities since the last progress report on its work, which was published in September 2024.2 A digital euro would be central bank money in digital form, issued by the Eurosystem. It would serve as a means of payment for use by consumers and businesses in retail transactions across the entire euro area.3 In addition, it would be free for basic use, available both online and offline and designed to offer the highest level of privacy and safety. The digital euro scheme rulebook will provide a single set of rules, standards and procedures for digital euro payments. The rulebook’s requirements and specifications will be addressed to payment service providers (PSPs), enabling them to develop basic digital euro services and potentially offer additional, innovative services. The rulebook’s open standards will facilitate private retail payment solution providers to roll out solutions across the euro area, thereby mitigating the current market fragmentation, supporting innovation and competition. PSPs’ adherence to the rulebook will ensure that, if a digital euro is issued, the user experience is consistent across basic use cases throughout the entire euro area, irrespective of the country or the PSP used. Since the last progress report, progress has been made in three key areas. First, as a follow-up to the RDG’s interim review of the intermediate version of the rulebook in the first half of 2024, existing sections have been updated to reflect comments received from the RDG. The third progress report provided an extensive description of the review process, which resulted in more than 2,500 comments. As of 1 March 2025, the cut-off date for this fourth report, well over 2,000 comments had been addressed and 254 comments were still considered to be 1 For more information about the RDG, see the “Digital euro scheme rulebook” section of the ECB’s website. 2 see the MIP News item of 5 September 2024 entitled “ECB reviews progress on digital euro rulebook” on the ECB’s website. 3 For more information, see the “Digital euro” section of the ECB’s website. 2 “open” as they require further elaboration or depend on outstanding dossiers, including the regulation. Second, the rulebook has been further developed together with market participants in dedicated RDG workstreams. Since September 2024, there have been eight active RDG workstreams4, each consisting of a range of experienced professionals. Since January 2025, two of t