2025-04-20-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）_17页_743kb

Summary of the Digital Euro Scheme Rulebook Development Group (RDG) Update

Core Content

The digital euro scheme rulebook is a critical deliverable in the preparation phase of the digital euro project. It aims to provide a unified set of rules, standards, and procedures for digital euro payments across the entire euro area. The rulebook is being developed by the Rulebook Development Group (RDG), which includes senior representatives from European associations and key stakeholders. The European Central Bank (ECB) will ultimately decide on the adoption of the initial rulebook.

The digital euro will be central bank money in digital form, issued by the Eurosystem, and will serve as a means of payment for consumers and businesses in retail transactions. It will be free for basic use, available online and offline, and designed for high privacy and safety. The rulebook is intended to ensure a consistent user experience across the euro area, regardless of the payment service provider (PSP) or country.

Main Progress Areas

Since the last progress report in September 2024, the RDG has made progress in three key areas:

1. Addressing RDG Comments on the Intermediate Draft Rulebook

   • Over 2,500 comments were received during the 2024 review.
   • As of 1 March 2025, over 2,000 comments had been addressed, while 254 remained open requiring further elaboration.
   • Comments influenced user journeys, end-to-end flows, and operational rules, leading to refinements in UX standards, risk management, and branding.
   • The operational rules were restructured, particularly in Section 3.3, to ensure clarity and alignment with use cases.

2. Development of Dedicated Workstreams

   • Eight workstreams were active since September 2024, with two completed and six ongoing.
   • These workstreams focus on:
     • Minimum user experience standards (A2)
     • Brand rules (A3)
     • Certification and approval framework (B1)
     • Risk management (D1)
     • Front-end and back-end implementation specifications (G1–G4)

3. Ad Hoc Discussions and Expert Sessions

   • The RDG has held expert sessions on latency and dispute management.
   • It has also engaged with standardisation bodies to identify and align with potentially suitable standards.

Key Sections and Annexes

The rulebook is structured into eight main sections and six annexes, covering:

• Section 1: Document information and version updates
• Section 2: Scheme scope and actors involved
• Section 3: Functional and operational model, including user journeys and end-to-end flows
• Section 4: Adherence model, including participant eligibility and obligations
• Section 5: Technical scheme requirements and architecture
• Section 6: Risk management, including fraud and operational risk
• Section 7: Scheme management and change request processes
• Section 8: Defined terms and abbreviations

Annexes include:

• A: Functional and operational model, user journeys, branding, and dispute management
• B: Testing, certification, and approval
• C: Technical scheme requirements
• D: Implementation specifications
• E: Scheme management
• F: Applicable standards and certification

Main Views and Key Information

• The rulebook is designed to be flexible, allowing for adjustments based on legislative discussions among co-legislators.
• It will standardise digital euro payments and support innovation and competition by leveraging open standards.
• The user experience (UX) will be harmonised across the euro area, similar to cash usage.
• The RDG works closely with market participants to ensure the rulebook reflects real-world needs and technical feasibility.
• Risk management is a central component, with proposals for fraud prevention, business continuity, cybersecurity, and third-party oversight.
• Brand rules are being developed to ensure consistency and trust in digital euro solutions, while maintaining ease of implementation for PSPs.

Future Activities

• The next draft of the rulebook will be shared with RDG members for feedback.
• The RDG will continue to develop and refine the rulebook, including implementation specifications, non-functional requirements, and risk management.
• The end-to-end flows and user journeys will be further detailed.
• The rulebook will be adjusted as needed based on regulatory discussions and technical developments.