{"id":699910,"date":"2026-06-26T03:46:04","date_gmt":"2026-06-26T03:46:04","guid":{"rendered":"https:\/\/microscopemedia.com\/?p=699910"},"modified":"2026-06-26T03:46:04","modified_gmt":"2026-06-26T03:46:04","slug":"ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana","status":"publish","type":"post","link":"https:\/\/microscopemedia.com\/?p=699910","title":{"rendered":"Ce este euro digital \u0219i ce se va schimba dac\u0103 va fi introdus \u00een Uniunea European\u0103"},"content":{"rendered":"<p id=\"p-0\">Banca Central\u0103 European\u0103 (BCE) a \u00eenceput s\u0103 analizeze fezabilitatea euro digital \u00een 2020, iar Comisia European\u0103 a prezentat propunerea legislativ\u0103 \u00een 2023. Dup\u0103 mai mul\u021bi ani de negocieri \u0219i opozi\u021bie din partea unor actori politici \u0219i din sectorul financiar, Parlamentul European a acordat mar\u021bi o prim\u0103 aprobare proiectului, dup\u0103 ce Consiliul Uniunii Europene \u00ee\u0219i exprimase deja acordul \u00een luna decembrie, arat\u0103 <a href=\"https:\/\/www.ilpost.it\/2026\/06\/25\/euro-digitale-parlamento-europeo-voto\/\" target=\"_blank\" rel=\"noopener\">Il Post<\/a>.<\/p>\n<div id=\"attachment_23761833\" class=\"wp-caption aligncenter\" readability=\"35\"><img aria-describedby=\"caption-attachment-23761833\" class=\"size-full wp-image-23761833\" src=\"https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana.webp\" alt width=\"900\" height=\"598\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana-3.webp 500w, https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana.webp 728w\"><\/p>\n<p id=\"caption-attachment-23761833\" class=\"wp-caption-text\">Imagine ilustrativ\u0103. Bani, euro, calculator. Sursa foto: Gerard Bottino\/SOPA Images via ZUMA Press Wire<\/p>\n<\/div>\n<p id=\"p-1\">\u00cen perioada urm\u0103toare, regulamentul va fi dezb\u0103tut \u00een plenul Parlamentului European. Dac\u0103 negocierile finale dintre Parlament \u0219i Consiliu vor fi \u00eencheiate cu succes p\u00e2n\u0103 la sf\u00e2r\u0219itul anului 2026, euro digital ar putea intra \u00een circula\u021bie \u00eencep\u00e2nd cu 2029. Calendarul r\u0103m\u00e2ne \u00eens\u0103 incert.<\/p>\n<h2 id=\"chapter-0\">Ce este euro digital<\/h2>\n<p id=\"p-2\">Potrivit proiectului aflat \u00een discu\u021bie, acesta va avea statut de mijloc legal de plat\u0103. Totodat\u0103 va trebui acceptat \u00een toate statele din zona euro. Utilizatorii ar putea folosi o aplica\u021bie care va func\u021biona ca un portofel digital, prin intermediul c\u0103ruia vor putea efectua pl\u0103\u021bi \u00een magazine, pe platformele de comer\u021b online sau transferuri de bani \u00eentre persoane.<\/p>\n<div id=\"attachment_23761835\" class=\"wp-caption aligncenter\" readability=\"33\"><img aria-describedby=\"caption-attachment-23761835\" class=\"size-full wp-image-23761835\" src=\"https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana-1.webp\" alt width=\"900\" height=\"496\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana-4.webp 500w, https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana-1.webp 728w\"><\/p>\n<p id=\"caption-attachment-23761835\" class=\"wp-caption-text\">Euro digital, imagine ilustrativ\u0103. Sursa foto: Youtube.<\/p>\n<\/div>\n<p id=\"p-3\">Spre deosebire de pl\u0103\u021bile realizate cu cardul, utilizatorii nu vor pl\u0103ti comisioane pentru folosirea euro digital. \u00cen cazul comercian\u021bilor, comisioanele vor fi limitate \u0219i reglementate prin lege, pentru a reduce costurile percepute \u00een prezent de re\u021belele private de pl\u0103\u021bi. Acela\u0219i sistem ar urma s\u0103 func\u021bioneze \u00een toate statele din zona euro, inclusiv pentru pl\u0103\u021bile transfrontaliere.<\/p>\n<h2 id=\"chapter-1\">De ce sus\u021bin unii introducerea euro digital<\/h2>\n<p id=\"p-4\">Sus\u021bin\u0103torii proiectului afirm\u0103 c\u0103 euro digital ar facilita accesul la pl\u0103\u021bile electronice inclusiv pentru persoanele care nu de\u021bin un cont bancar, deoarece numerarul ar putea fi \u00eenc\u0103rcat \u00een portofelul digital, inclusiv prin intermediul oficiilor po\u0219tale. Un alt argument este reducerea dependen\u021bei Europei de sistemele de plat\u0103 dezvoltate de companii americane, precum Visa, Mastercard, American Express sau PayPal.<\/p>\n<h2 id=\"chapter-2\">De ce exist\u0103 opozi\u021bie<\/h2>\n<p id=\"p-5\">O parte dintre criticii proiectului sus\u021bin c\u0103 euro digital ar putea \u00eenlocui treptat numerarul. BCE afirm\u0103 \u00eens\u0103 c\u0103 acesta va reprezenta doar o alternativ\u0103, iar bancnotele \u0219i monedele vor r\u0103m\u00e2ne \u00een circula\u021bie. \u00cen prezent, utilizarea numerarului este deja \u00een sc\u0103dere \u00een Europa. \u00centre 2016 \u0219i 2024, ponderea tranzac\u021biilor realizate \u00een numerar a sc\u0103zut de la peste 79% la 52%. \u00cen Italia, numerarul este utilizat \u00eenc\u0103 \u00een aproximativ 61% dintre tranzac\u021bii, ceea ce explic\u0103 \u0219i nivelul ridicat al scepticismului fa\u021b\u0103 de proiect \u00een r\u00e2ndul unei p\u0103r\u021bi a clasei politice.<\/p>\n<div id=\"attachment_23761834\" class=\"wp-caption aligncenter\" readability=\"32\"><img aria-describedby=\"caption-attachment-23761834\" class=\"size-full wp-image-23761834\" src=\"https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana-2.webp\" alt width=\"900\" height=\"503\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana-5.webp 500w, https:\/\/microscopemedia.com\/wp-content\/uploads\/2026\/06\/ce-este-euro-digital-si-ce-se-va-schimba-daca-va-fi-introdus-in-uniunea-europeana-2.webp 728w\"><\/p>\n<p id=\"caption-attachment-23761834\" class=\"wp-caption-text\">Tranzac\u021bie digital\u0103. Sursa foto: Youtube.<\/p>\n<\/div>\n<p id=\"p-6\">Al\u021bi critici sus\u021bin c\u0103 euro digital ar permite supravegherea pl\u0103\u021bilor. BCE respinge aceast\u0103 interpretare \u0219i precizeaz\u0103 c\u0103 sistemul este conceput pentru a func\u021biona \u0219i f\u0103r\u0103 conexiune la internet, tocmai pentru a oferi un nivel de confiden\u021bialitate apropiat de cel al numerarului.<\/p>\n<h2 id=\"chapter-3\">Euro digital: ce diferen\u021b\u0103 exist\u0103 fa\u021b\u0103 de criptomonede<\/h2>\n<p id=\"p-7\">Proiectul euro digital este adesea asociat, \u00een mod eronat, cu criptomonedele. Spre deosebire de acestea, nu este un activ de investi\u021bii \u0219i nu este supus fluctua\u021biilor de pia\u021b\u0103. El va fi emis de Banca Central\u0103 European\u0103 \u0219i va avea aceea\u0219i valoare ca euro \u00een numerar. Sectorul bancar prive\u0219te cu rezerve proiectul, deoarece o parte dintre pl\u0103\u021bile realizate \u00een prezent prin sistemele bancare ar putea fi transferate c\u0103tre euro digital, ceea ce ar reduce veniturile ob\u021binute din comisioane. Exist\u0103 \u0219i riscul ca un num\u0103r mare de clien\u021bi s\u0103 \u00ee\u0219i mute economiile din conturile bancare \u00een portofele digitale, ceea ce ar putea crea presiuni asupra sistemului financiar.<\/p>\n<p><iframe title=\"The Digital Euro - Easy, Safe, Fast, Reliable\" src=\"https:\/\/www.youtube.com\/embed\/cNJis8BEieo\" width=\"1337\" height=\"752\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" rel=\"lazyframe\" loading=\"lazy\">[embedded content]<\/iframe><\/p>\n<p id=\"p-9\">Pentru a limita acest risc, proiectul prevede ca <a href=\"https:\/\/www.mediafax.ro\/stirile-zilei\/anunt-surpriza-al-bce-aurul-devine-principal-activ-de-rezerva-la-nivel-mondial-cine-are-cele-mai-mari-rezerve-in-ce-situatie-a-ajuns-sua-23748202\">BCE<\/a> s\u0103 stabileasc\u0103 un plafon pentru sumele care pot fi p\u0103strate \u00eentr-un portofel de euro digital \u0219i ca acestea s\u0103 nu fie remunerate prin dob\u00e2nd\u0103. Reprezentan\u021bii BCE au indicat c\u0103 limita ar putea fi stabilit\u0103 \u00eentre 3.000 \u0219i 4.000 de euro.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banca Central\u0103 European\u0103 (BCE) a \u00eenceput s\u0103 analizeze fezabilitatea euro digital \u00een 2020, iar Comisia European\u0103 a prezentat propunerea legislativ\u0103 \u00een 2023. Dup\u0103 mai mul\u021bi ani de negocieri \u0219i opozi\u021bie &hellip; <a href=\"https:\/\/microscopemedia.com\/?p=699910\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":699911,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"Default","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/699910"}],"collection":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=699910"}],"version-history":[{"count":0,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/posts\/699910\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=\/wp\/v2\/media\/699911"}],"wp:attachment":[{"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=699910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=699910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/microscopemedia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=699910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}