TLDR
- ECB opens two workstreams on ATM integration and certification rules
- Applications close April 10, 2026, for qualified payment experts
- Digital euro pilot planned for second half of 2027 for 12 months
- Focus includes offline payments and interoperability standards
The European Central Bank has started a new phase in its digital euro project by inviting experts to help define system standards. The move focuses on integrating the currency with existing payment infrastructure. It also covers ATMs, payment terminals, and certification processes, as the ECB prepares technical groundwork ahead of a possible pilot program planned for 2027.
ECB Opens Workstreams for Digital Euro Infrastructure Planning
The European Central Bank has launched applications for two workstreams under its Rulebook Development Group. These groups will help define how a digital euro would function across payment systems. The focus includes ATMs, payment terminals, and other acceptance infrastructure across the euro area.
The initiative aims to create a common rulebook with clear standards. These standards will support interoperability and offline payments. Rulebook Development Group includes merchants, consumers, and payment service providers. Selected experts will provide technical input to guide consistent implementation.
Applications are open until April 10, 2026. Candidates must submit a CV, and letters of support are encouraged. The ECB stated that relevant expertise is required for both roles. The work supports integration with existing retail and banking systems across Europe.
Focus on ATM Integration and Certification Framework
One workstream, known as G5, will focus on ATM and terminal specifications. It will assess communication technologies and offline capabilities. The group will also review how existing payment standards can be reused within the system. The ECB said, “Expertise in the interfacing with or the provision of ATM and payment terminals is essential for participation.”
The goal is to ensure devices can support digital euro transactions without disruption. Also the work aligns with European interoperability standards. The second workstream, B1, will develop a certification and approval framework. This includes testing procedures for hardware and software used by payment service providers.
The framework will define how compliance and performance are verified. The ECB noted, “Expertise in payments and acceptance devices is essential for this position.” The process will ensure that certified solutions meet security and operational requirements. It also supports consistency across the euro area payment ecosystem.
Advancing Digital Euro Testing and Regulatory Preparation
The ECB plans to launch a digital euro pilot in the second half of 2027. The trial will run for 12 months and include selected EU-licensed payment service providers. It will also involve a limited number of merchants and Eurosystem staff.
The draft rulebook will remain flexible to reflect legislative updates. The ECB stated that any final decision depends on the adoption of relevant laws. The workstreams are part of ongoing technical preparation for possible implementation. The central bank continues to monitor changes in digital payments. It has raised concerns about stablecoins and their role in the financial system.
ECB warned that widespread use of euro-based stablecoins could affect monetary policy and bank funding. This initiative marks a step toward technical readiness. It focuses on ensuring that a digital euro can operate within existing infrastructure. Contributions from selected experts will help shape a unified system across Europe.
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