{"id":106890,"date":"2026-05-19T00:22:32","date_gmt":"2026-05-18T22:22:32","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=106890"},"modified":"2026-05-18T15:18:11","modified_gmt":"2026-05-18T13:18:11","slug":"penezenka-eudi-a-konec-hotovosti-prichazi-transparentni-obcan","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/05\/19\/penezenka-eudi-a-konec-hotovosti-prichazi-transparentni-obcan\/","title":{"rendered":"Pen\u011b\u017eenka EUDI a konec hotovosti: P\u0159ich\u00e1z\u00ed transparentn\u00ed ob\u010dan"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<p><strong><span dir=\"auto\">Evropsk\u00e1 unie prosazuje syst\u00e9m EUDI Wallet, centralizovan\u00fd syst\u00e9m, kter\u00fd slou\u010d\u00ed doklady toto\u017enosti, zdravotn\u00ed \u00fadaje a bankovn\u00ed informace v\u0161ech ob\u010dan\u016f do jedn\u00e9 digit\u00e1ln\u00ed pen\u011b\u017eenky. Brusel a Evropsk\u00e1 centr\u00e1ln\u00ed banka z\u00e1rove\u0148 prosazuj\u00ed nov\u00e9 limity pro hotovost a digit\u00e1ln\u00ed euro. P\u0159edn\u00ed odborn\u00edci na IT bezpe\u010dnost a zast\u00e1nci ochrany osobn\u00edch \u00fadaj\u016f nyn\u00ed varuj\u00ed p\u0159ed zjevn\u00fdmi bezpe\u010dnostn\u00edmi nedostatky t\u00e9to obrovsk\u00e9 sledovac\u00ed infrastruktury.<\/span><\/strong><\/p>\n<p><span dir=\"auto\">Pod rou\u0161kou pohodln\u00e9ho kroku k digitalizaci v sou\u010dasn\u00e9 dob\u011b EU pokl\u00e1d\u00e1 technick\u00e9 z\u00e1klady pro gigantickou sledovac\u00ed s\u00ed\u0165.\u00a0<\/span><a href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/1183\/oj\"><span dir=\"auto\">Na\u0159\u00edzen\u00ed eIDAS 2.0,<\/span><\/a><span dir=\"auto\"> p\u0159ijat\u00e9 v roce 2024 , zavazuje v\u0161echny \u010dlensk\u00e9 st\u00e1ty EU, aby do konce roku 2026 nab\u00eddly (nebo sp\u00ed\u0161e zavedly) sv\u00fdm ob\u010dan\u016fm tzv. Evropskou pen\u011b\u017eenku digit\u00e1ln\u00ed identity (EUDI). V N\u011bmecku je syst\u00e9m napl\u00e1nov\u00e1n na 2. ledna 2027. Ofici\u00e1ln\u011b je \u00fa\u010dast ozna\u010dov\u00e1na jako dobrovoln\u00e1, ale Evropsk\u00e1 komise m\u00e1 jasn\u00fd c\u00edl: do roku 2030 by syst\u00e9m m\u011blo aktivn\u011b pou\u017e\u00edvat 80 procent v\u0161ech ob\u010dan\u016f EU.<\/span><\/p>\n<p><span dir=\"auto\">Pen\u011b\u017eenka kombinuje ob\u010dansk\u00fd pr\u016fkaz, \u0159idi\u010dsk\u00fd pr\u016fkaz, osv\u011bd\u010den\u00ed o vzd\u011bl\u00e1n\u00ed, kartu zdravotn\u00edho poji\u0161t\u011bn\u00ed a ov\u011b\u0159ov\u00e1n\u00ed bankovn\u00edch \u00fa\u010dt\u016f do jedn\u00e9 aplikace. Ka\u017ed\u00fd, kdo m\u00e1 k t\u00e9to aplikaci p\u0159\u00edstup, v\u0161ak vlastn\u00ed digit\u00e1ln\u00ed hlavn\u00ed kl\u00ed\u010d k \u017eivot\u016fm ob\u010dan\u016f. D\u00edky tomu je pen\u011b\u017eenka EUDI mimo\u0159\u00e1dn\u011b atraktivn\u00edm c\u00edlem pro hackery a zpravodajsk\u00e9 slu\u017eby. K\u0159ehkost syst\u00e9mu byla odhalena v dubnu: den pot\u00e9, co p\u0159edsedkyn\u011b Evropsk\u00e9 komise Ursula von der Leyenov\u00e1 pochv\u00e1lila pen\u011b\u017eenku za jej\u00ed p\u0159edn\u00ed sv\u011btov\u00e9 standardy ochrany \u00fadaj\u016f,\u00a0<\/span><a href=\"https:\/\/report24.news\/sicherheitsskandal-von-der-leyens-altersverfikations-app-nach-nur-2-minuten-gehackt\/\"><span dir=\"auto\">britsk\u00fd IT specialista syst\u00e9m hackl<\/span><\/a><span dir=\"auto\">\u00a0a na\u0161el v za\u0159\u00edzen\u00ed odhalen\u00e1 d\u016fv\u011brn\u00e1 data.<\/span><\/p>\n<p><span dir=\"auto\">Kritika expert\u016f se stala zni\u010duj\u00edc\u00ed. Na ned\u00e1vn\u00e9m 38. kongresu Chaos Communication Congress (38C3) experti efektivn\u011b rozebrali referen\u010dn\u00ed architekturu (ARF) Evropsk\u00e9 komise. Thomas Lohninger z organizace pro lidsk\u00e1 pr\u00e1va Epicenter.works a profesorka kryptografie Anja Lehmann z Institutu Hasso Plattner\u00a0<\/span><a href=\"https:\/\/www.biometricupdate.com\/202412\/cryptographers-warn-about-eudi-wallet-privacy\"><span dir=\"auto\">odhalili<\/span><\/a><span dir=\"auto\"> , \u017ee cel\u00fd proces certifikace pen\u011b\u017eenek je z\u00e1sadn\u011b chybn\u00fd. Chyba v designu: \u010clensk\u00e9 st\u00e1ty EU, kter\u00e9 pen\u011b\u017eenky vyd\u00e1vaj\u00ed, si mohou tak\u00e9 samy vyhodnotit a certifikovat jejich bezpe\u010dnost.<\/span><\/p>\n<p><span dir=\"auto\">Krom\u011b toho p\u0159i spu\u0161t\u011bn\u00ed chyb\u00ed z\u00e1kladn\u00ed mechanismy ochrany dat, jako jsou tzv. d\u016fkazy s nulovou znalost\u00ed (ZKP). Tyto kryptografick\u00e9 metody by umo\u017e\u0148ovaly sd\u00edlen\u00ed pouze minim\u00e1ln\u00edch \u00fadaj\u016f \u2013 nap\u0159\u00edklad pouh\u00e9 potvrzen\u00ed z\u00e1konn\u00e9ho v\u011bku prod\u00e1vaj\u00edc\u00edmu nam\u00edsto zve\u0159ejn\u011bn\u00ed p\u0159esn\u00e9ho data narozen\u00ed. EU se m\u00edsto toho spol\u00e9h\u00e1 na tradi\u010dn\u00ed digit\u00e1ln\u00ed podpisy, kter\u00e9 umo\u017e\u0148uj\u00ed sledov\u00e1n\u00ed a hromadn\u00fd sb\u011br u\u017eivatelsk\u00fdch dat vl\u00e1dn\u00edmi agenturami a t\u0159et\u00edmi stranami.<\/span><\/p>\n<p><span dir=\"auto\">Pen\u011b\u017eenka EUDI je pouze jednou sou\u010d\u00e1st\u00ed \u0161ir\u0161\u00ed agendy. Sou\u010dasn\u011b s t\u00edm EU utahuje smy\u010dku kolem hotovosti. Od 1. \u010dervence 2027 bude v cel\u00e9 EU platit z\u00e1kaz hotovostn\u00edch plateb p\u0159esahuj\u00edc\u00edch 10 000 EUR pro obchodn\u00ed transakce. I u transakc\u00ed a\u017e do v\u00fd\u0161e 3 000 EUR budou obchodn\u00edci povinni d\u016fkladn\u011b prov\u011b\u0159ovat sv\u00e9 z\u00e1kazn\u00edky a dokl\u00e1dat jejich jm\u00e9no, datum narozen\u00ed, adresu a st\u00e1tn\u00ed p\u0159\u00edslu\u0161nost. Poru\u0161en\u00ed bude podl\u00e9hat drakonick\u00fdm pokut\u00e1m ve v\u00fd\u0161i nejm\u00e9n\u011b 40 procent \u010d\u00e1stky transakce. Obecn\u00e9 podez\u0159en\u00ed se stane nov\u00fdm norm\u00e1lem.<\/span><\/p>\n<p><span dir=\"auto\">Z\u00e1rove\u0148 se chyst\u00e1 spu\u0161t\u011bn\u00ed digit\u00e1ln\u00edho eura. Evropsk\u00e1 centr\u00e1ln\u00ed banka (ECB) dokon\u010dila svou p\u0159\u00edpravnou f\u00e1zi v roce 2025, pr\u00e1vn\u00ed r\u00e1mec EU bude n\u00e1sledovat v roce 2026 a zah\u00e1jen\u00ed vyd\u00e1v\u00e1n\u00ed m\u011bny je napl\u00e1nov\u00e1no na rok 2029. Zat\u00edmco ECB tvrd\u00ed, \u017ee digit\u00e1ln\u00ed euro pouze dopln\u00ed hotovost, systematick\u00e9 postupn\u00e9 vy\u0159azov\u00e1n\u00ed fyzick\u00fdch m\u011bn je ji\u017e v pln\u00e9m proudu.<\/span><\/p>\n<p><span dir=\"auto\">Infrastruktura pro hotovost se masivn\u011b likviduje. Na konci roku 2024 bylo v N\u011bmecku pouze p\u0159ibli\u017en\u011b 17 870 bankovn\u00edch pobo\u010dek \u2013 co\u017e je drastick\u00fd pokles ve srovn\u00e1n\u00ed s v\u00edce ne\u017e 36 000 institucemi v roce 2013. Systematicky se tak\u00e9 sni\u017euje ra\u017eba nov\u00fdch eurominc\u00ed: Pro rok 2025 schv\u00e1lila ECB objem pouze 2,17 miliardy eur, co\u017e je dal\u0161\u00ed pokles ve srovn\u00e1n\u00ed s p\u0159edchoz\u00edmi lety. Pokud hotovost fyzicky zmiz\u00ed z ka\u017edodenn\u00edho \u017eivota, hroz\u00ed zaveden\u00ed digit\u00e1ln\u00edho centr\u00e1ln\u00edho bankovn\u00edho syst\u00e9mu. St\u00e1le transparentn\u011bj\u0161\u00ed ob\u010dan\u00e9 pak nebudou m\u00edt \u017e\u00e1dn\u00e9 alternativy.<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-1185\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2021\/04\/kuryr-podpis.png\" alt=\"\" width=\"84\" height=\"24\" \/><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Evropsk\u00e1 unie prosazuje syst\u00e9m EUDI Wallet, centralizovan\u00fd syst\u00e9m, kter\u00fd slou\u010d\u00ed doklady toto\u017enosti, zdravotn\u00ed \u00fadaje a&#8230;<\/p>\n","protected":false},"author":2,"featured_media":106891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[10566,3722,90],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/106890"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=106890"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/106890\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/106891"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=106890"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=106890"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=106890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}