1. Technical architecture of EURI 2.0
1.1. Multilevel system:
- Public layer (Ethereum/Polygon): For retail payments and DeFi
- Private layer (Hyperledger Besu): For interbank settlements
- Hybrid smart contracts:
- Automatic tax deductions
- Programmable social payments
1.2. Key parameters:
| Parameter | Value |
|-------------------|---------------|
| Speed (TPS) | 8,500 |
| Offline payments | Up to €300 |
| Energy consumption | 0.01% of Visa |
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2. Economic impact
2.1. Macroeconomic indicators of the EU:
- Reduction of payment costs: €12.8 billion/year
- GDP growth: +0.7% due to digitalization
- Reducing the shadow economy: 18%
2.2. Banking sector:
- Revenue decline of 23% due to disintermediation
- New services:
- EURI loans at 0.5%
- Tokenized deposits
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3. Regulatory features
3.1. Mandatory requirements:
- ECB digital wallet for all EU citizens
- Automatic reporting for transactions >€100
- Social rating affects limits
3.2. Prohibited transactions:
- Anonymous transfers
- Purchase of prohibited goods
- Transactions with unverified wallets
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4. Comparison with alternatives
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Why EURI wins:
- 0% fees for individuals
- Integration with the tax system
- Emergency economic tools
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5. Technical risks
5.1. Vulnerabilities:
- Risk of hacking the private layer (theoretically)
- Possibility of transaction censorship
5.2. Adoption issues:
- Resistance in Germany and Austria
- Technical difficulties for the elderly
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6. Future development
2026:
- Introduction of "smart" tax benefits
- Integration with digital ID
2027:
- Negative interest rate mechanism
- Complete replacement of cash in 3 EU countries
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7. How to use optimally?
For citizens:
- Receive salary in EURI (+2% bonus)
- Pay taxes through smart contracts
For businesses:
- Automate B2B payments
- Participate in public procurement on blockchain
For banks:
- Develop overlay services
- Implement DeFi products
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Official resources
- [ECB Digital Euro App](https://example.com)
- [EURI Transaction Explorer](https://example.com)
- [Merchant Integration Guide](https://example.com)
> "EURI is not just a currency, but a new tool for the economic sovereignty of the EU" — Christine Lagarde
#EURI #Binance #CryptoAdoption $EURI