1. Technological breakthrough: EURI 3.0 architecture
1.1. Three-tiered system:
- Base layer (ECB Chain): Private blockchain on quantum-resistant consensus
- Intermediate layer (EuropaNet): Hybrid CBDC network (25,000 TPS)
- User layer: Light clients with biometric authentication
1.2. Unique features:
- Dynamic encryption: Automatic algorithm switching
- Smart sanctions: Instant freezing of suspicious assets
- Offline mode: Up to €500 via NFC chips
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2. Economic transformation of the EU
2.1. Macro effects:
| Indicator | 2023 | 2025 | Change |
|--------------------|--------|--------|-----------|
| Share of digital payments | 41% | 78% | +90% |
| Transaction costs | €23 billion | €8 billion | -65% |
| Tax collection rate | 82% | 94% | +12 p.p. |
2.2. Banking revolution:
- Mandatory EURI reserves: 15% of deposits
- Automatic stablecoins: Tying commercial bank tokens to EURI
- Credit market: Rates 0.1-0.8% for businesses
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3. Social consequences
3.1. Positive:
- Reduction of fraud by €9.2 billion/year
- Instant social payments to 28 million recipients
- Reduction of bureaucracy (37% of government services automated)
3.2. Controversial:
- Mandatory biometrics for transactions over €300
- Social credit affects limits
- Automatic tax deductions (+2.7% revenue)
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4. Comparative table of CBDC
| Parameter | EURI | Digital Yuan | FedNow |
|---------------|---------|--------------|----------|
| Technology | Hybrid | Centralized | RTGS |
| Anonymity | Tiered KYC | Full | No |
| Programmability | Level 3 | Level 1 | Level 0 |
| DeFi access | Whitelist | Banned | No |
Key difference: EURI supports "regulated DeFi" through licensed smart contracts.
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5. Global consequences
5.1. For the crypto market:
- 60% of stablecoin volumes transition to EURI
- USDT/USDC lose 35% of the market in the EU
- New asset class: CBDC-arbitrage
5.2. Geopolitics:
- Next-generation sanction tool
- Competition with digital yuan in Africa
- Pressure on Swift (volumes -17%)
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6. Development forecast until 2030
2026:
- Integration with NEAR Protocol for Web3 payments
- Introduction of "digital inheritance"
2027:
- Negative interest rate mechanism (-0.75% for corporations)
- Complete ban on cash in Scandinavia
2028:
- Quantum upgrade (post-quantum cryptography)
- Interplanetary payments (ESA project)
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7. Practical guide
7.1. For citizens:
1. Set up ECB Wallet with eID verification
2. Activate biometric limits
3. Use tax discounts (up to 4%)
7.2. For businesses:
- Connect EURI API for automatic payments
- Participate in digital tenders
- Optimize taxes through smart contracts
7.3. For developers:
- Whitelist access to ECB Sandbox
- Grants up to €500K for fintech solutions
