{"id":109219,"date":"2026-06-24T00:19:35","date_gmt":"2026-06-23T22:19:35","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=109219"},"modified":"2026-06-23T13:54:40","modified_gmt":"2026-06-23T11:54:40","slug":"neprogramovatelne-digitalni-euro-je-podvod","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/06\/24\/neprogramovatelne-digitalni-euro-je-podvod\/","title":{"rendered":"\u201eNeprogramovateln\u00e9\u201c digit\u00e1ln\u00ed euro je podvod."},"content":{"rendered":"
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21. \u010dervna 2026 | Evropsk\u00e1 centr\u00e1ln\u00ed banka (ECB) a Evropsk\u00e1 komise uji\u0161\u0165uj\u00ed ve\u0159ejnost, \u017ee digit\u00e1ln\u00ed euro bude \u201eneprogramovateln\u00e9\u201c. N\u00e1vrh na\u0159\u00edzen\u00ed o digit\u00e1ln\u00edm euru jasn\u011b ukazuje, \u017ee se jedn\u00e1 o kou\u0159ovou clonu. \u201eProgramovateln\u00e9 pen\u00edze\u201c jsou definov\u00e1ny velmi \u00fazce. Programovateln\u00e9 platby maj\u00ed b\u00fdt naopak explicitn\u011b podporov\u00e1ny. Ty otev\u00edraj\u00ed velmi problematick\u00e9 mo\u017enosti pro dolad\u011bn\u00ed financ\u00ed ob\u010dan\u016f.<\/span><\/a><\/p>\n

\u010castou n\u00e1mitkou<\/span><\/strong>\u00a0kritik\u016f digit\u00e1ln\u00edho eura je mo\u017enost jeho vyu\u017eit\u00ed k vytvo\u0159en\u00ed n\u00e1stroj\u016f pro jemn\u00e9 dolad\u011bn\u00ed populace, nap\u0159\u00edklad ve form\u011b syst\u00e9mu soci\u00e1ln\u00edch kredit\u016f nebo syst\u00e9mu pro p\u0159id\u011blov\u00e1n\u00ed povolenek na emise CO2 ka\u017ed\u00e9mu ob\u010danovi. \u00da\u0159edn\u00edci ve Frankfurtu a Bruselu na to reagovali uji\u0161t\u011bn\u00edm ve\u0159ejnosti, \u017ee digit\u00e1ln\u00ed euro nebude programovateln\u00e9.<\/span><\/p>\n

To je tak\u00e9 velmi jasn\u011b uvedeno<\/span><\/strong>\u00a0v odstavci 2 \u010dl\u00e1nku 24 n\u00e1vrhu na\u0159\u00edzen\u00ed o digit\u00e1ln\u00edm euru, kter\u00fd nebyl zve\u0159ejn\u011bn, ale m\u00e1m ho k dispozici. Odr\u00e1\u017e\u00ed sou\u010dasn\u00fd stav jedn\u00e1n\u00ed v Bruselu: \u201eDigit\u00e1ln\u00ed euro nebude programovateln\u00e9.\u201c Te\u010dka.<\/span><\/p>\n

Nicm\u00e9n\u011b odstavec 1<\/span><\/strong>\u00a0, kter\u00fd bezprost\u0159edn\u011b p\u0159edch\u00e1z\u00ed tomuto, se zab\u00fdv\u00e1 mo\u017enost\u00ed podm\u00edn\u011bn\u00fdch plateb ze strany Evropsk\u00e9 centr\u00e1ln\u00ed banky (ECB). V bodech od\u016fvodn\u011bn\u00ed na\u0159\u00edzen\u00ed je vysv\u011btleno, \u017ee se jedn\u00e1 o \u201eprogramovateln\u00e9 platby\u201c, co\u017e znamen\u00e1 platby, kter\u00e9 jsou automaticky spou\u0161t\u011bny softwarem, kdy\u017e jsou spln\u011bny p\u0159edem dohodnut\u00e9 podm\u00ednky.<\/span><\/p>\n

To se zd\u00e1 b\u00fdt protich\u016fdn\u00e9<\/span><\/strong>\u00a0: neprogramovateln\u00e9 digit\u00e1ln\u00ed euro, s n\u00edm\u017e lze a m\u011bly by b\u00fdt prov\u00e1d\u011bny programovateln\u00e9 platebn\u00ed transakce. \u201eDigit\u00e1ln\u00ed euro m\u00e1 podporovat programov\u00e1n\u00ed plateb v digit\u00e1ln\u00edch eurech poskytovateli platebn\u00edch slu\u017eeb,\u201c jak je v\u00fdslovn\u011b uvedeno v 55. bod\u011b od\u016fvodn\u011bn\u00ed.<\/span><\/p>\n

S vy\u0159e\u0161en\u00edm<\/span><\/strong>\u00a0tohoto zd\u00e1nliv\u00e9ho rozporu se vypa\u0159uje i uklid\u0148uj\u00edc\u00ed \u00fa\u010dinek neprogramovatelnosti digit\u00e1ln\u00edho eura. Programovateln\u00e9 pen\u00edze, co\u017e je p\u0159esn\u011b to, \u010d\u00edm digit\u00e1ln\u00ed euro b\u00fdt nem\u00e1, jsou definov\u00e1ny velmi \u00fazce:<\/span><\/p>\n

\u201e(Programovateln\u00e9 pen\u00edze) jsou jednotky, kter\u00e9 lze vzhledem ke sv\u00fdm inherentn\u00edm podm\u00ednk\u00e1m pou\u017e\u00edt pouze k n\u00e1kupu konkr\u00e9tn\u00edho zbo\u017e\u00ed a slu\u017eeb nebo kter\u00e9 maj\u00ed datum platnosti, po kter\u00e9m je ji\u017e nelze pou\u017e\u00edt. Podm\u00edn\u011bn\u00e9 platby jsou platby, kter\u00e9 jsou automaticky spu\u0161t\u011bny softwarem, kdy\u017e jsou spln\u011bny d\u0159\u00edve dohodnut\u00e9 podm\u00ednky.\u201c<\/span><\/em><\/p>\n

Rozd\u00edl spo\u010d\u00edv\u00e1 v tom<\/span><\/strong>\u00a0, \u017ee programov\u00e1n\u00ed programovateln\u00fdch pen\u011bz je nez\u00e1visl\u00e9 na jejich majiteli. A\u0165 u\u017e je vlastn\u00ed kdokoli, nem\u016f\u017ee si za n\u011b nap\u0159\u00edklad koupit alkohol, nebo ka\u017ed\u00fd den ztr\u00e1cej\u00ed p\u016fltis\u00edcinu sv\u00e9 hodnoty. To je pon\u011bkud uklid\u0148uj\u00edc\u00ed vzhledem k obav\u011b, kter\u00e1 byla p\u0159ed n\u011bkolika lety pom\u011brn\u011b roz\u0161\u00ed\u0159en\u00e1: \u017ee by ECB mohla digit\u00e1ln\u00ed euro pou\u017e\u00edt k zaveden\u00ed z\u00e1porn\u00fdch \u00farokov\u00fdch sazeb prost\u0159ednictv\u00edm tzv. demurrage currency.<\/span><\/p>\n

To je docela zbyte\u010dn\u00e9<\/span><\/strong>\u00a0. Dokud bude hotovost st\u00e1le existovat a bude pou\u017eiteln\u00e1, nikdo nebude cht\u00edt tuto m\u011bnovou rezervu. A jakmile bude hotovost \u00fasp\u011b\u0161n\u011b postupn\u011b vy\u0159azena, m\u016f\u017ee ECB, pokud bude cht\u00edt, otev\u0159en\u011b zav\u00e9st z\u00e1porn\u00e9 \u00farokov\u00e9 sazby.<\/span><\/p>\n

Dal\u0161\u00ed obavy<\/span><\/strong>\u00a0spojen\u00e9 s programovatelnost\u00ed se net\u00fdkaj\u00ed programovateln\u00fdch pen\u011bz, ale sp\u00ed\u0161e programovateln\u00fdch plateb \u2013 tedy plateb, kter\u00e9 maj\u00ed vztah k majiteli pen\u011bz. Mezi tyto obavy pat\u0159\u00ed nap\u0159\u00edklad syst\u00e9m soci\u00e1ln\u00edch kredit\u016f, kde je \u017e\u00e1douc\u00ed chov\u00e1n\u00ed automaticky finan\u010dn\u011b odm\u011b\u0148ov\u00e1no a ne\u017e\u00e1douc\u00ed chov\u00e1n\u00ed je penalizov\u00e1no. Nebo syst\u00e9m, kde se uhl\u00edkov\u00e1 stopa ob\u010dana vypo\u010d\u00edt\u00e1v\u00e1 z jeho plateb a porovn\u00e1v\u00e1 s jeho p\u0159id\u011blen\u00fdm povolen\u00fdm mno\u017estv\u00edm uhl\u00edku. Pokud zp\u016fsob\u00ed p\u0159\u00edli\u0161 mnoho CO2, nemohou si ji\u017e kupovat ur\u010dit\u00e9 v\u011bci nebo se pro n\u011b v\u0161e, co zp\u016fsobuje CO2, stane dra\u017e\u0161\u00edm. Nebo by t\u011b\u017ece ob\u00e9zn\u00edm lidem mohl b\u00fdt zak\u00e1z\u00e1n n\u00e1kup slazen\u00fdch n\u00e1poj\u016f a potravin. V Texasu byl tento syst\u00e9m implementov\u00e1n tradi\u010dn\u00edm administrativn\u00edm p\u0159\u00edstupem, konkr\u00e9tn\u011b pro p\u0159\u00edjemce potravinov\u00fdch l\u00edstk\u016f. Norsk\u00fd statistick\u00fd \u00fa\u0159ad cht\u011bl spojit data z platebn\u00edch karet o n\u00e1kupech potravin ob\u010dan\u016f se syst\u00e9mem prodejn\u00edch m\u00edst, aby se dozv\u011bd\u011bl v\u00edce o stravovac\u00edch n\u00e1vyc\u00edch ob\u010dan\u016f. \u00da\u0159ad pro ochranu osobn\u00edch \u00fadaj\u016f to zastavil. Jak vid\u00edte, vl\u00e1dy v\u0161ude na sv\u011bt\u011b maj\u00ed zjevn\u00fd z\u00e1jem v\u011bd\u011bt o sv\u00fdch ob\u010danech v\u0161e a kontrolovat jejich chov\u00e1n\u00ed.<\/span><\/p>\n

Programovatelnost<\/span><\/strong>\u00a0po\u017eadovan\u00e1 pro takov\u00e9 paternalisticky-autorit\u00e1\u0159sk\u00e9 programy je v\u00fdslovn\u011b po\u017eadov\u00e1na t\u011bmi, kte\u0159\u00ed jsou za digit\u00e1ln\u00ed euro odpov\u011bdn\u00ed, a ECB by ji m\u011bla podporovat.<\/span><\/p>\n

Trik je d\u016fmysln\u00fd.<\/span><\/strong>\u00a0Zvol\u00ed se sm\u011b\u0161n\u011b \u00fazk\u00e1 definice \u201eprogramovateln\u00e9ho\u201c a pot\u00e9 je programovatelnost v\u00fdslovn\u011b vylou\u010dena. Pokud pak lid\u00e9 opr\u00e1vn\u011bn\u011b varuj\u00ed p\u0159ed programovateln\u00fdm digit\u00e1ln\u00edm eurem, lze jim kontrovat argumentem, \u017ee nesm\u00ed b\u00fdt v\u00fdslovn\u011b programovateln\u00e9. Ve\u0159ejnost, kter\u00e1 si nen\u00ed v\u011bdoma podrobnost\u00ed, pak pova\u017euje varovatele za nev\u011bdom\u00e9 pot\u00ed\u017eisty a ignoruje je. \u0158e\u0161en\u00edm pro kritiky by pravd\u011bpodobn\u011b bylo vyhnout se pou\u017e\u00edv\u00e1n\u00ed zkratky \u201eprogramovateln\u00e9 euro\u201c a m\u00edsto toho varovat, \u017ee digit\u00e1ln\u00ed euro by umo\u017enilo automatickou kontrolu nad t\u00edm, jak utr\u00e1c\u00edme sv\u00e9 pen\u00edze.<\/span><\/p>\n

Na\u0159\u00edzen\u00ed rovn\u011b\u017e uv\u00e1d\u00ed<\/span><\/strong>\u00a0: \u201ePodm\u00edn\u011bn\u00e9 platby by nem\u011bly m\u00edt za c\u00edl ani \u00fa\u010dinek fungovat jako programovateln\u00e9 pen\u00edze.\u201c To zn\u00ed uklid\u0148uj\u00edc\u00edm zp\u016fsobem, ale nenab\u00edz\u00ed to v\u016fbec \u017e\u00e1dnou ochranu. Koneckonc\u016f, pro\u010d by n\u011bkdo cht\u011bl zav\u00e9st syst\u00e9m s programov\u00e1n\u00edm nez\u00e1visl\u00fdm na aktu\u00e1ln\u00edm vlastn\u00edkovi pen\u011b\u017en\u00ed jednotky, kdy\u017e vlastn\u00edka p\u0159esn\u011b zn\u00e1 a m\u00e1 o n\u011bm rozs\u00e1hl\u00e9 znalosti? Zaj\u00edmav\u00e9 a nebezpe\u010dn\u00e9 p\u0159\u00edpady pou\u017eit\u00ed jsou ty, ve kter\u00fdch se programov\u00e1n\u00ed vztahuje k vlastn\u00edkovi pen\u011bz, nikoli k pen\u011bz\u016fm samotn\u00fdm.<\/span><\/p>\n

Norbert H\u00e4ring<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

21. \u010dervna 2026 | Evropsk\u00e1 centr\u00e1ln\u00ed banka (ECB) a Evropsk\u00e1 komise uji\u0161\u0165uj\u00ed ve\u0159ejnost, \u017ee digit\u00e1ln\u00ed…<\/p>\n","protected":false},"author":2,"featured_media":109220,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[1042,4828,41,2150],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/109219"}],"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=109219"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/109219\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/109220"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=109219"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=109219"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=109219"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}