Цифровой евро преодолевает ключевое препятствие в парламенте, поскольку Европа продвигает план CBDC вперед

TL;DR The European Central Bank’s digital euro project secured key parliamentary backing on Tuesday. The vote moves Europe in the opposite direction from US lawmakers who are pushing to restrict a Fed-issued CBDC. The bill still faces debate, but the direction of travel is clear: Europe wants a state-backed digital payment option. Europe Moves Its CBDC Plan Forward The European Central Bank’s digital euro project has cleared an important political hurdle after gaining key parliamentary backing in Brussels. According to Reuters , the European Parliament’s economic committee approved draft legislation tied to the digital euro framework on Tuesday. The vote matters because it keeps Europe’s central bank digital currency project moving at a time when the United States is heading in the opposite direction. US lawmakers have been pushing restrictions on a Federal Reserve digital dollar, while Europe is still trying to build a public digital payment rail that can reduce reliance on foreign card networks. For crypto markets, the story is not that a digital euro replaces Bitcoin or stablecoins overnight. It is that CBDC policy is becoming a sharper geopolitical divide. The US debate is framed around surveillance, financial privacy and stablecoin competition. Europe’s debate is more focused on payment sovereignty and strategic independence. Privacy And Bank-Run Concerns Shape The Bill The digital euro proposal has faced pushback from banks and civil-liberty critics, and the latest framework reflects those concerns. Holding limits, a ban on interest and privacy safeguards are designed to reduce the risk that a central bank wallet pulls deposits away from commercial banks or becomes too attractive as a savings product. Those compromises are important because they show the project is not just a technical rollout. It is a political balancing act. A digital euro has to be useful enough for consumers and merchants, but not so powerful that banks see it as a direct threat to deposits and payments revenue. That leaves the ECB trying to thread a difficult needle. If the digital euro is too limited, it may struggle to compete with card networks, mobile wallets and stablecoins. If it is too powerful, banks and privacy campaigners will push harder against it. Why Crypto Should Care Crypto traders may not treat the digital euro as a direct market catalyst, but the regulatory direction matters. If Europe creates a state-backed digital payment system while also tightening MiCA compliance, stablecoin issuers and crypto payment firms will have to compete inside a more structured policy environment. The digital euro also adds contrast to the private stablecoin boom. Stablecoins are already widely used for trading, settlement and cross-border liquidity . A CBDC would come with different trust assumptions, different privacy trade-offs and a different relationship to the banking system. For now, the vote is a milestone rather than a launch. The bill still has to move through t