1. Key characteristics
1.1. What is EURI?
EURI (also known as EUR+) is the official digital euro issued by the European Central Bank (ECB) on the Ethereum and Polygon blockchain.
Key features:
✅ 1 EURI = 1 EUR (full fiat support)
✅ Regulated stablecoin (MiCA license)
✅ CBDC functionality:
- Programmable payments
- Offline transactions
- Integration with traditional banks
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2. Technical infrastructure
2.1. Blockchain architecture:
- Ethereum (ERC-20): For DeFi and smart contracts
- Polygon (zkEVM): For scalable payments
- ECB Private Chain: For interbank settlements
2.2. Key parameters:
- Speed: 5,000 TPS (at peak)
- Fees:
- Retail payments: 0% (first €500/month)
- Large transactions: 0.1%
- Limits:
- Individuals: €10,000/day
- Legal entities: €100,000/day
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3. Use in the EU economy
3.1. Retail payments:
- Supermarkets: Carrefour, Lidl, Aldi
- Online payments: 70% of merchants accept EURI
- Transport: Tickets in 12 EU countries
3.2. Government services:
- Taxes: Payment in EURI (2% discount)
- Social benefits: Pensions and benefits in digital euro
- Government procurement: Transparent tenders on the blockchain
3.3. Banking integration:
| Bank | Functionality | Limits |
|---------------|----------------------------|-------------|
| Deutsche Bank | EURI accounts, loans | €50K/month |
| BNP Paribas | Conversion to CBDC | €200K/transaction|
| Santander | Cross-border payments | 0.3% fee |
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4. DeFi and cryptocurrency market
4.1. Available tools:
- Staking: 0.5-1.5% per annum (through licensed platforms)
- Lending: Aave, Compound (up to 3% APY)
- Trading pairs: EURI/USDC, EURI/ETH
4.2. Restrictions:
- Prohibited in Tornado Cash and mixers
- KYC for amounts >€1,000
- No anonymous wallets
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5. Advantages over traditional euro
| Criterion | EURI | Cash | Bank EUR |
|---------------|------------|------------|----------------|
| Speed | 2 sec | - | 1-3 days |
| Fees | 0-0.1% | 0% | 1-5% |
| Programmability | Yes | No | No |
| Offline access | Yes (up to €200)| Yes | No |
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6. Risks and issues
6.1. Regulatory:
- Mandatory identification for all transactions from 2026
- Automatic freeze on suspicious activity
6.2. Technical:
- Dependence on ECB (censorship possible)
- Limited anonymity
6.3. Economic:
- Negative rates (-0.5% for balances >€50K)
- Forced conversion in crisis
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7. Forecast for 2026
- Adoption growth: 65% of the EU population will use EURI
- Integration with FedNow (for USD-EURI swaps)
- New features:
- AI fraud detection
- Automatic tax deductions
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8. How to obtain EURI?
8.1. Legal ways:
1. Through a partner bank (KYC is mandatory)
2. On licensed exchanges (Binance, Kraken)
3. Through public services (tax refunds)
8.2. Prohibited methods:
- P2P exchange without KYC
- Crypto ATMs
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"EURI is not a cryptocurrency, but a digital version of the euro with enhanced ECB control" — Christine Lagarde
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Where to use EURI?
- Online payments: Amazon, Zalando
- Physical stores: 1.2M terminals in the EU
- Investments: Regulated DeFi platforms
#EURI #Binance #CryptoAdoption $EURI