@interweaved @quantum_splash ECB should not be involved in retail payments at all and let private sector do it (almost like this Spanish economist recommend)
For example, #gnutaler is great private payment system from open source community https://www.taler.net/en/
And for the second link "What would digital euro be?" ECB does not provide details (it is vague ECB propaganda I would say). Here this talk explained in detail what they found from ECB documents: https://media.ccc.de/v/ds25-542-digital-euro-what-the-faq-ecb