ECB will not develop apps. ECB will offer an API and regulate and license the API access to providers like banks. The providers will then develop apps and other tools that will be accessible to users. They will have to use their own financial resources as stated in the report, which as usual won’t result in open access apps. Possibly, ECB API will be an open banking API.

Wer kein Smartphone zum Zahlen nutzen will, kann sich den digitalen Euro auch auf eine Chipkarte laden lassen.