Blockchain settlement

Annelieke A.M. Mooij

Chapter 11 in Designing the Digital Euro, 2026, pp 150-163 from Edward Elgar Publishing

Abstract: The integration of blockchain in digital euro settlement raises key issues of security, efficiency, and legal compatibility. Unlike centralized ledgers, blockchain's decentralization enhances security by reducing single points of failure and boosting tamper resistance. This chapter explores how blockchain could improve transaction automation, enable smart contracts for recurring payments, and boost digital payment efficiency. However, shifting from an account-based to token-based model changes the digital euro's nature and its legal tender status. The chapter reviews offline transaction solutions, like localized wallets and sandboxes, while addressing device fingerprinting and privacy concerns. Ultimately, blockchain's promise depends on regulatory compliance and strong privacy safeguards.

Keywords: Digital Euro; CBDC; ECB; Blockchain Settlement; Offline; Security (search for similar items in EconPapers)
Date: 2026
ISBN: 9781035390632
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