European fintech firms are stepping up preparations to integrate the digital euro into their platforms as the European Central Bank (ECB) continues to refine the design and distribution model of the upcoming central bank digital currency (CBDC).
According to the ECB, the design phase — launched in late 2023 — is progressing toward pilot testing in 2026. Several payment providers and fintech startups are already building compliance frameworks to connect with the future digital euro infrastructure.
Companies such as Nexi, Worldline, and Adyen have publicly confirmed that they are participating in early-stage consultations. Smaller fintechs are also exploring new API models that could allow consumers to use the digital euro directly from mobile wallets and e-commerce apps.
Industry leaders say the project could reshape the European fintech landscape by opening direct access to central bank money for non-bank payment providers. However, experts warn that interoperability and regulatory clarity will be crucial to avoid market fragmentation.
The ECB plans to publish its first integration guidelines for payment service providers (PSPs) in early 2026, outlining how fintechs can connect securely to the Eurosystem’s digital settlement layer.