{"id":120620,"date":"2026-11-08T00:27:51","date_gmt":"2026-11-07T23:27:51","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=120620"},"modified":"2026-11-07T19:57:23","modified_gmt":"2026-11-07T18:57:23","slug":"zatim-neschvaleno-ale-jiz-ve-vyvoji-ecb-vytvari-fakta-o-digitalnim-euru","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/11\/08\/zatim-neschvaleno-ale-jiz-ve-vyvoji-ecb-vytvari-fakta-o-digitalnim-euru\/","title":{"rendered":"Zat\u00edm neschv\u00e1leno, ale ji\u017e ve v\u00fdvoji: ECB vytv\u00e1\u0159\u00ed fakta o digit\u00e1ln\u00edm euru"},"content":{"rendered":"
<\/div>\n

Digit\u00e1ln\u00ed euro st\u00e1le nebylo v Evropsk\u00e9 unii definitivn\u011b p\u0159ijato. Evropsk\u00e1 centr\u00e1ln\u00ed banka (ECB) nicm\u00e9n\u011b s jeho zav\u00e1d\u011bn\u00edm pokra\u010duje plnou parou. Byly podeps\u00e1ny smlouvy s technologick\u00fdmi spole\u010dnostmi, vybr\u00e1ny banky a poskytovatel\u00e9 platebn\u00edch slu\u017eeb a technick\u00e1 infrastruktura je ve v\u00fdstavb\u011b. Zat\u00edmco Evropsk\u00fd parlament st\u00e1le jedn\u00e1 o pr\u00e1vn\u00edm r\u00e1mci, ECB ji\u017e vytv\u00e1\u0159\u00ed podm\u00ednky pro novou formu st\u00e1tem vyd\u00e1van\u00e9 digit\u00e1ln\u00ed m\u011bny. To vyvol\u00e1v\u00e1 z\u00e1sadn\u00ed ot\u00e1zku: Jak otev\u0159en\u00e9 je politick\u00e9 rozhodnut\u00ed, kdy\u017e se ji\u017e p\u0159ipravuje jeho praktick\u00e9 zaveden\u00ed?<\/span><\/strong><\/p>\n

Dne 30. \u0159\u00edjna 2026 Evropsk\u00e1 centr\u00e1ln\u00ed banka (ECB) ozn\u00e1mila, \u017ee ud\u011blila zak\u00e1zky dv\u011bma skupin\u00e1m spole\u010dnost\u00ed na vybudov\u00e1n\u00ed centr\u00e1ln\u00edch s\u00ed\u0165ov\u00fdch p\u0159ipojen\u00ed pro digit\u00e1ln\u00ed euro. Zak\u00e1zky byly ud\u011bleny spole\u010dnostem Nexi Payments a Deutsche Telekom Business Solutions na jedn\u00e9 stran\u011b a konsorciu spole\u010dnost\u00ed Telef\u00f3nica a Indra na stran\u011b druh\u00e9. Prvn\u00ed smlouva vstoupila v platnost 28. z\u00e1\u0159\u00ed a druh\u00e1 by m\u011bla za\u010d\u00edt platit v kv\u011btnu 2027. Spole\u010dnosti propoj\u00ed banky, poskytovatele platebn\u00edch slu\u017eeb a n\u00e1rodn\u00ed centr\u00e1ln\u00ed banky s centr\u00e1ln\u00ed platformou digit\u00e1ln\u00edho eura. Nejde ji\u017e jen o teoretick\u00e9 koncepty nebo politick\u00e1 prohl\u00e1\u0161en\u00ed o z\u00e1m\u011bru. Konkr\u00e9tn\u00ed technick\u00e1 implementace se p\u0159ipravuje, i kdy\u017e pot\u0159ebn\u00e1 regulace EU dosud nebyla p\u0159ijata. Zat\u00edmco ECB zd\u016fraz\u0148uje, \u017ee rozhodnut\u00ed o samotn\u00e9m zaveden\u00ed bude u\u010din\u011bno a\u017e po dokon\u010den\u00ed legislativn\u00edho procesu, zak\u00e1zky ji\u017e byly ud\u011bleny.<\/span><\/p>\n

Dal\u0161\u00ed kroky tak\u00e9 zna\u010dn\u011b pokro\u010dily. V \u010dervenci 2026 ECB vybrala 36 bank a poskytovatel\u016f platebn\u00edch slu\u017eeb pro pilotn\u00ed projekt. P\u0159ihl\u00e1silo se v\u00edce ne\u017e 50 spole\u010dnost\u00ed. V druh\u00e9 polovin\u011b roku 2027 by m\u011bla za\u010d\u00edt dvan\u00e1ctim\u011bs\u00ed\u010dn\u00ed testovac\u00ed f\u00e1ze, b\u011bhem n\u00ed\u017e bude beta verze digit\u00e1ln\u00edho eura pou\u017e\u00edv\u00e1na za re\u00e1ln\u00fdch podm\u00ednek. Zam\u011bstnanci centr\u00e1ln\u00ed banky jej budou moci pou\u017e\u00edvat nap\u0159\u00edklad k placen\u00ed v obchodech nebo k vz\u00e1jemn\u00fdm p\u0159evod\u016fm pen\u011bz. ECB usiluje o mo\u017en\u00e9 pravideln\u00e9 zaveden\u00ed v roce 2029, pokud bude v\u010das stanoven pr\u00e1vn\u00ed r\u00e1mec. Ofici\u00e1ln\u011b se jedn\u00e1 o p\u0159\u00edpravy na mo\u017en\u00e9 zaveden\u00ed. Z kritick\u00e9ho hlediska se v\u0161ak komplexn\u00ed technick\u00fd a ekonomick\u00fd syst\u00e9m formuje ji\u017e d\u0159\u00edve, ne\u017e byla definitivn\u011b stanovena jeho demokratick\u00e1 legitimita. \u010c\u00edm v\u00edce smluv je uzav\u0159eno, syst\u00e9m\u016f vyvinuto a spole\u010dnost\u00ed zapojeno, t\u00edm obt\u00ed\u017en\u011bj\u0161\u00ed by mohlo b\u00fdt politicky z\u00e1sadn\u00ed zpochybn\u011bn\u00ed projektu.<\/span><\/p>\n

Ochrana \u00fadaj\u016f je obzvl\u00e1\u0161t\u011b kontroverzn\u00ed. ECB slibuje vysok\u00fd stupe\u0148 soukrom\u00ed a uv\u00e1d\u00ed, \u017ee offline platby by m\u011bly nab\u00edzet ochranu podobnou hotovostn\u00edm. U online plateb je situace jin\u00e1. Poskytovatel\u00e9 platebn\u00edch slu\u017eeb budou i nad\u00e1le moci ov\u011b\u0159ovat toto\u017enost sv\u00fdch z\u00e1kazn\u00edk\u016f, mimo jin\u00e9 aby splnili p\u0159edpisy proti pran\u00ed \u0161pinav\u00fdch pen\u011bz. Sama ECB uv\u00e1d\u00ed, \u017ee nem\u00e1 v \u00famyslu takov\u00e9 transakce p\u0159\u00edmo propojit s jednotliv\u00fdmi osobami. To v\u0161ak znamen\u00e1, \u017ee digit\u00e1ln\u00ed euro by nebylo ekvivalentem anonymity hotovosti. Platba bankovkou obecn\u011b nezanech\u00e1v\u00e1 automaticky ulo\u017eenou elektronickou platebn\u00ed stopu. S digit\u00e1ln\u00edm eurem by technick\u00e1 sledovatelnost st\u00e1le existovala, alespo\u0148 pro z\u00fa\u010dastn\u011bn\u00e9 poskytovatele platebn\u00edch slu\u017eeb. Prezidentka ECB Christine Lagardeov\u00e1 ji\u017e v roce 2023 jasn\u011b uvedla, \u017ee z\u00e1m\u011brem nen\u00ed \u00fapln\u00e1 anonymita, ale sp\u00ed\u0161e ochrana soukrom\u00ed.<\/span><\/p>\n

D\u00e1le vyvst\u00e1v\u00e1 ot\u00e1zka, do jak\u00e9 m\u00edry by centr\u00e1ln\u00ed banka mohla v budoucnu ur\u010dovat pou\u017e\u00edv\u00e1n\u00ed digit\u00e1ln\u00edch pen\u011bz. Mo\u017en\u00e9 horn\u00ed limity pro z\u016fstatky se ji\u017e diskutuj\u00ed. Nap\u0159\u00edklad ECB ve sv\u00fdch studi\u00edch zva\u017eovala \u010d\u00e1stky a\u017e do v\u00fd\u0161e 3 000 EUR na osobu, ani\u017e by dosud stanovila z\u00e1vazn\u00fd limit. Rada EU stanov\u00ed, \u017ee tyto limity budou stanoveny ECB v r\u00e1mci pr\u00e1vn\u011b definovan\u00e9ho r\u00e1mce. Centr\u00e1ln\u00ed banka tato omezen\u00ed od\u016fvod\u0148uje pot\u0159ebou chr\u00e1nit bankovn\u00ed syst\u00e9m p\u0159ed hromadn\u00fdm p\u0159evodem vklad\u016f klient\u016f. T\u00edm by se v\u0161ak vytvo\u0159ila forma pen\u011bz, u nich\u017e centr\u00e1ln\u00ed instituce stanov\u00ed technick\u00e9 a regula\u010dn\u00ed podm\u00ednky pro jejich pou\u017e\u00edv\u00e1n\u00ed. I kdy\u017e sou\u010dasn\u00e9 pl\u00e1ny nemaj\u00ed v \u00famyslu zav\u00e9st programovateln\u00e1 omezen\u00ed pou\u017e\u00edv\u00e1n\u00ed ani datum expirace digit\u00e1ln\u00edho eura, z\u016fst\u00e1v\u00e1 ot\u00e1zkou, jak\u00e9 pravomoci a technick\u00e9 mo\u017enosti takov\u00e1 infrastruktura v dlouhodob\u00e9m horizontu nab\u00eddne.<\/span><\/p>\n

Ofici\u00e1ln\u00edm zd\u016fvodn\u011bn\u00edm digit\u00e1ln\u00edho eura je sn\u00ed\u017eit z\u00e1vislost Evropy na americk\u00fdch poskytovatel\u00edch platebn\u00edch slu\u017eeb, jako jsou Visa a Mastercard, a pos\u00edlit evropskou platebn\u00ed infrastrukturu. Tento c\u00edl je pochopiteln\u00fd. Neodpov\u00edd\u00e1 v\u0161ak na ot\u00e1zku, pro\u010d ECB ji\u017e tak pokro\u010dila ve sv\u00fdch technick\u00fdch p\u0159\u00edprav\u00e1ch, p\u0159esto\u017ee politick\u00e1 jedn\u00e1n\u00ed st\u00e1le prob\u00edhaj\u00ed. V \u010dervenci 2026 Evropsk\u00fd parlament pouze hlasoval pro zah\u00e1jen\u00ed jedn\u00e1n\u00ed s Radou. To v\u00fdslovn\u011b nep\u0159edstavovalo kone\u010dn\u00e9 pr\u00e1vn\u00ed schv\u00e1len\u00ed.<\/span><\/p>\n

Digit\u00e1ln\u00ed euro zat\u00edm neexistuje jako pravideln\u011b vyd\u00e1van\u00fd platebn\u00ed prost\u0159edek \u2013 nicm\u00e9n\u011b jeho technick\u00fd z\u00e1klad se ji\u017e vytv\u00e1\u0159\u00ed.<\/span><\/strong> Pr\u00e1v\u011b v tom spo\u010d\u00edvaj\u00ed politick\u00e9 d\u016fsledky. Zat\u00edmco ob\u010dan\u016fm je sd\u011blov\u00e1no, \u017ee o jeho zaveden\u00ed dosud nebylo rozhodnuto, smlouvy se ji\u017e podepisuj\u00ed, firmy se zapojuj\u00ed a platebn\u00ed syst\u00e9my se p\u0159ipravuj\u00ed. ECB slibuje, \u017ee hotovost z\u016fstane a \u017ee digit\u00e1ln\u00ed euro bude pouze dopl\u0148kovou platebn\u00ed mo\u017enost\u00ed. Zda tyto sliby dlouhodob\u011b obstoj\u00ed, v\u0161ak z\u00e1vis\u00ed tak\u00e9 na budouc\u00edch politick\u00fdch rozhodnut\u00edch.<\/span><\/p>\n

Zdroje<\/span><\/strong><\/p>\n

    \n
  1. Reclaim The Net, 5. listopadu 2026 \u2013 Digit\u00e1ln\u00ed euro se buduje d\u0159\u00edve, ne\u017e ho Evropa schv\u00e1l\u00ed<\/span><\/a><\/li>\n
  2. Evropsk\u00e1 centr\u00e1ln\u00ed banka, 30. \u0159\u00edjna 2026 \u2013 Smlouvy s poskytovateli s\u00ed\u0165ov\u00fdch slu\u017eeb pro digit\u00e1ln\u00ed euro<\/span><\/a><\/li>\n
  3. Evropsk\u00e1 centr\u00e1ln\u00ed banka, 14. \u010dervence 2026 \u2013 Pro pilotn\u00ed projekt vybr\u00e1no 36 poskytovatel\u016f platebn\u00edch slu\u017eeb<\/span><\/a><\/li>\n
  4. Evropsk\u00e1 centr\u00e1ln\u00ed banka \u2013 Pilotn\u00ed projekt digit\u00e1ln\u00edho eura, harmonogram a \u00fa\u010dastn\u00edci<\/span><\/a><\/li>\n<\/ol>\n

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

    Digit\u00e1ln\u00ed euro st\u00e1le nebylo v Evropsk\u00e9 unii definitivn\u011b p\u0159ijato. Evropsk\u00e1 centr\u00e1ln\u00ed banka (ECB) nicm\u00e9n\u011b s…<\/p>\n","protected":false},"author":2,"featured_media":120621,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[4828,2616,41],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/120620"}],"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=120620"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/120620\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/120621"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=120620"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=120620"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=120620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}