{"id":58221,"date":"2026-03-19T11:46:45","date_gmt":"2026-03-19T11:46:45","guid":{"rendered":"https:\/\/crypto-globe.com\/?p=58221"},"modified":"2026-03-19T12:05:28","modified_gmt":"2026-03-19T12:05:28","slug":"a-digitalis-euro-kozelebb-kerul-a-valosaghoz-az-ecb-a-bankomatokat-terminalo-kat-es-az-offline-fizeteseket-vizsgalja","status":"publish","type":"post","link":"https:\/\/crypto-globe.com\/hu\/a-digitalis-euro-kozelebb-kerul-a-valosaghoz-az-ecb-a-bankomatokat-terminalo-kat-es-az-offline-fizeteseket-vizsgalja\/","title":{"rendered":"A digit\u00e1lis eur\u00f3 k\u00f6zelebb ker\u00fcl a val\u00f3s\u00e1ghoz. Az ECB a bankomatokat, termin\u00e1lo kat \u00e9s az offline fizet\u00e9seket vizsg\u00e1lja"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Az Eur\u00f3pai K\u00f6zponti Bank (ECB) \u00fajabb l\u00e9p\u00e9st tesz a digit\u00e1lis eur\u00f3 bevezet\u00e9se fel\u00e9. Most megnyitja az egy\u00fcttm\u0171k\u00f6d\u00e9st a gyakorlatban tev\u00e9kenyked\u0151 szak\u00e9rt\u0151kkel, akik seg\u00edts\u00e9g\u00e9vel megtervezhet\u0151, hogy ez a digit\u00e1lis k\u00f6zponti banki p\u00e9nz hogyan m\u0171k\u00f6dne a mindennapi gyakorlatban \u2013 a bankomatokt\u00f3l a fizet\u00e9si termin\u00e1lokon \u00e1t. A digit\u00e1lis eur\u00f3 projekt \u00edgy elm\u00e9leti s\u00edkr\u00f3l a konkr\u00e9t megval\u00f3s\u00edt\u00e1s f\u00e1zis\u00e1ba l\u00e9p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az ECB szerd\u00e1n <a href=\"https:\/\/www.ecb.europa.eu\/press\/intro\/news\/html\/ecb.mipnews260318.en.html\" target=\"_blank\" rel=\"noreferrer noopener\">bejelentette<\/a>, hogy elind\u00edtja a jelentkez\u00e9seket k\u00e9t munkacsoportba az \u00fagynevezett Rulebook Development Group (RDG) keret\u00e9ben. Ezek a csoportok az olyan kulcsfontoss\u00e1g\u00fa technikai k\u00e9rd\u00e9sekre ford\u00edtanak majd figyelmet, amelyek n\u00e9lk\u00fcl a digit\u00e1lis eur\u00f3 nem m\u0171k\u00f6dhetne a val\u00f3s vil\u00e1gban \u2013 p\u00e9ld\u00e1ul hogy mik\u00e9nt lesz kompatibilis a megl\u00e9v\u0151 fizet\u00e9si infrastrukt\u00far\u00e1val, vagy hogyan m\u0171k\u00f6dhetn\u00e9nek az internetes kapcsolat n\u00e9lk\u00fcli fizet\u00e9sek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A cikk tartalma \u2013 Digit\u00e1lis eur\u00f3:<\/h2>\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-od-navrhu-k-praxi-digitalni-euro-ma-dostat-konkretni-podobu-4\">A tervekt\u0151l a gyakorlatig: a digit\u00e1lis eur\u00f3 konkr\u00e9t form\u00e1t kap<\/a><ul><\/ul><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-integrace-do-stavajici-infrastruktury-je-klicova-10\">A megl\u00e9v\u0151 infrastrukt\u00far\u00e1ba val\u00f3 integr\u00e1ci\u00f3 a kulcs<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-pilot-uz-v-roce-2027-finalni-rozhodnuti-zatim-nepadlo-13\">Pilotprojekt m\u00e1r 2027-ben, a v\u00e9gs\u0151 d\u00f6nt\u00e9s azonban m\u00e9g nem sz\u00fcletett<\/a><ul><\/ul><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-co-to-znamena-pro-trh-a-kryptomeny-18\">Mit jelent ez a piac \u00e9s a kriptov\u00e1lt\u00e1k sz\u00e1m\u00e1ra<\/a><ul><\/ul><\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-od-navrhu-k-praxi-digitalni-euro-ma-dostat-konkretni-podobu-4\">A tervekt\u0151l a gyakorlatig: a digit\u00e1lis eur\u00f3 konkr\u00e9t form\u00e1t kap<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Am\u00edg az ECB eddig els\u0151sorban a digit\u00e1lis p\u00e9nz koncepcion\u00e1lis k\u00e9rd\u00e9seivel \u00e9s politikai k\u00f6vetkezm\u00e9nyeivel foglalkozott, az aktu\u00e1lis kezdem\u00e9nyez\u00e9s a gyakorlati alkalmaz\u00e1s fel\u00e9 val\u00f3 elmozdul\u00e1st mutatja. A f\u0151 c\u00e9l az, hogy meghat\u00e1rozz\u00e1k, hogyan illeszkedik a digit\u00e1lis eur\u00f3 a megl\u00e9v\u0151 fizet\u00e9si rendszerekbe \u00e9s azokba az eszk\u00f6z\u00f6kbe, amelyeket az eur\u00f3paiak \u00e1ltal\u00e1ban haszn\u00e1lnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az egyik munkacsoportban a bankomat \u00e9s fizet\u00e9si termin\u00e1l szolg\u00e1ltat\u00f3knak sz\u00e1nt technikai specifik\u00e1ci\u00f3kra fognak koncentr\u00e1lni. Fogj\u00e1k rendezni p\u00e9ld\u00e1ul a kommunik\u00e1ci\u00f3s technol\u00f3gi\u00e1kat, az offline fizet\u00e9sek t\u00e1mogat\u00e1s\u00e1t vagy az eg\u00e9sz Eur\u00f3p\u00e1ban m\u00e1r megl\u00e9v\u0151 szabv\u00e1nyok felhaszn\u00e1l\u00e1s\u00e1t. Az offline m\u00f3d egy\u00e9bk\u00e9nt az egyik kulcsfontoss\u00e1g\u00fa elem \u2013 a <a href=\"https:\/\/crypto-globe.com\/hu\/a-digitalis-euro-valodi-formakat-olt-az-ecb-mar-iden-kezdi-kivalasztani-partnereit-a-teszt-2027-ben-indul\/\" target=\"_blank\" rel=\"noopener\" title=\"\">digit\u00e1lis eur\u00f3<\/a> az internetes kapcsolat n\u00e9lk\u00fcl is m\u0171k\u00f6dnie kellene, ak\u00e1rcsak a k\u00e9szp\u00e9nz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e1sodik csoport a fizet\u00e9si megold\u00e1sok tesztel\u00e9s\u00e9re, tan\u00fas\u00edt\u00e1s\u00e1ra \u00e9s j\u00f3v\u00e1hagy\u00e1si folyamataira fog \u00f6sszpontos\u00edtani. M\u00e1s sz\u00f3val az ECB egy\u00e9rtelm\u0171 szab\u00e1lyokat szeretne fel\u00e1ll\u00edtani arra vonatkoz\u00f3an, hogy ki \u00e9s milyen felt\u00e9telek mellett integr\u00e1lhatja a digit\u00e1lis eur\u00f3t saj\u00e1t szolg\u00e1ltat\u00e1saiba \u2013 legyen sz\u00f3 bankokr\u00f3l, fintech v\u00e1llalatokr\u00f3l vagy fizet\u00e9si rendszer szolg\u00e1ltat\u00f3kr\u00f3l.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mindk\u00e9t munkacsoportnak az RDG fel\u00e9 fog besz\u00e1molni, amely keresked\u0151k, fizet\u00e9si szolg\u00e1ltat\u00f3k \u00e9s fogyaszt\u00f3k k\u00e9pvisel\u0151it t\u00f6m\u00f6r\u00edti. Az eredm\u00e9ny egy egys\u00e9ges \u201erulebook&#8221; \u2013 azaz szab\u00e1lyok \u00e9s szabv\u00e1nyok gy\u0171jtem\u00e9nye \u2013 lesz, amely szerint a digit\u00e1lis eur\u00f3 teljes \u00f6kosziszt\u00e9m\u00e1ja m\u0171k\u00f6dni fog.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-erdekelheti-ont-hogyan-valasszuk-ki-a-megfelelo-tozsdet-kriptovaltak-kereskedesehez-9\">\u00c9rdekelheti \u00d6nt: <a href=\"https:\/\/crypto-globe.com\/hu\/utmutato-hogyan-valasszuk-ki-a-megfelelo-tozsdet-kriptovalutaink-kereskedesehez\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Hogyan v\u00e1lasszuk ki a megfelel\u0151 t\u0151zsd\u00e9t kriptov\u00e1lt\u00e1k keresked\u00e9s\u00e9hez?<\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-integrace-do-stavajici-infrastruktury-je-klicova-10\">A megl\u00e9v\u0151 infrastrukt\u00far\u00e1ba val\u00f3 integr\u00e1ci\u00f3 a kulcs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Az egyik f\u0151 t\u00e9ma az interoperabilit\u00e1s \u2013 vagyis a digit\u00e1lis eur\u00f3 azon k\u00e9pess\u00e9ge, hogy a k\u00fcl\u00f6nf\u00e9le rendszerek \u00e9s eszk\u00f6z\u00f6k k\u00f6z\u00f6tt m\u0171k\u00f6dj\u00f6n. Az ECB hangs\u00falyozza, hogy az \u00faj p\u00e9nz nem az \u00e9rv\u00e9nyes infrastrukt\u00fara hely\u00e9r\u0151l ker\u00fcl bevezet\u00e9sre, hanem \u00e9ppolyan r\u00e1 fog \u00e9p\u00fclni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ez azt jelenti, hogy a digit\u00e1lis eur\u00f3t felhaszn\u00e1lhat\u00f3 legyen a jelenlegi fizet\u00e9si termin\u00e1lokon, bankomatokn\u00e1l \u00e9s m\u00e1s elfogad\u00e1si helyeken. \u00c9ppen a megl\u00e9v\u0151 technol\u00f3gia kihaszn\u00e1l\u00e1s\u00e1nak k\u00e9pess\u00e9ge jelent\u0151sen felgyors\u00edthatja az elfogad\u00e1st \u00e9s cs\u00f6kkentheti a bevezet\u00e9si k\u00f6lts\u00e9geket.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-1024x559.jpeg\" alt=\"digit\u00e1lis eur\u00f3 \" class=\"wp-image-58201\" title=\"A businessmans hands cradle a glowing Euro symbol symbolizing financial growth and investment success in the digital realm - Crypto-Globe.com\" srcset=\"https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-1024x559.jpeg 1024w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-300x164.jpeg 300w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-768x419.jpeg 768w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-1536x838.jpeg 1536w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-2048x1117.jpeg 2048w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-150x82.jpeg 150w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-696x380.jpeg 696w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-1068x583.jpeg 1068w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/03\/digi-euro-980-1920x1047.jpeg 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-pilot-uz-v-roce-2027-finalni-rozhodnuti-zatim-nepadlo-13\">Pilotprojekt m\u00e1r 2027-ben, a v\u00e9gs\u0151 d\u00f6nt\u00e9s azonban m\u00e9g nem sz\u00fcletett<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Az ECB kor\u00e1bban m\u00e1r konkr\u00e9t id\u0151tervet v\u00e1zolt fel. 2027 m\u00e1sodik fel\u00e9ben <a href=\"https:\/\/www.reuters.com\/business\/finance\/ecbs-cipollone-says-digital-euro-will-protect-european-banks-card-schemes-2026-02-18\/\" target=\"_blank\" rel=\"noreferrer noopener\">indulni<\/a> kellene a pilotprojektnek, amely k\u00f6r\u00fclbel\u00fcl 12 h\u00f3napig tartana. Korl\u00e1tozott sz\u00e1m\u00fa keresked\u0151, fizet\u00e9si szolg\u00e1ltat\u00f3 \u00e9s az Eurosystem alkalmazottai vehetnek majd r\u00e9szt benne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az ECB V\u00e9grehajt\u00f3 Tan\u00e1cs\u00e1nak tagja, Piero Cipollone szerint egy val\u00f3s k\u00f6rnyezetbeli teszt lesz, amely a digit\u00e1lis eur\u00f3 funkcionalit\u00e1s\u00e1t \u00e9s felhaszn\u00e1l\u00f3bar\u00e1ts\u00e1g\u00e1t kell majd ellen\u0151rizze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Azonban alapvet\u0151en fontos hozz\u00e1tenni, hogy a v\u00e9gs\u0151 ind\u00edt\u00e1ssal kapcsolatban m\u00e9g nem sz\u00fcletett d\u00f6nt\u00e9s. Az ECB ism\u00e9telten hangs\u00falyozza, hogy a digit\u00e1lis eur\u00f3 kiad\u00e1s\u00e1ra csak akkor ker\u00fcl sor, ha a sz\u00fcks\u00e9ges jogszab\u00e1lyi ker\u00fcletet az <a href=\"https:\/\/crypto-globe.com\/hu\/lengyelorszag-ismet-blokkolja-a-mica-t-az-elnok-megvetozott-egy-kryptorendelet-tervet-a-hazai-cegek-az-emigracioban-gondolkodnak\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Eur\u00f3pai Uni\u00f3<\/a> szintj\u00e9n j\u00f3v\u00e1hagyj\u00e1k.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-ctete-take-monero-kryptomena-ktera-chrani-vase-financni-soukromi\">Olvassa el azt is: <a href=\"https:\/\/crypto-globe.com\/hu\/monero-kriptovaluta-amely-megvedi-az-on-penzugyi-adatait\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Monero \u2013 Kriptov\u00e1lta, amely megv\u00e9di p\u00e9nz\u00fcgyi adatainak bizalmass\u00e1g\u00e1t<\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"aioseo-co-to-znamena-pro-trh-a-kryptomeny-18\">Mit jelent ez a piac \u00e9s a kriptov\u00e1lt\u00e1k sz\u00e1m\u00e1ra<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Az ECB el\u0151rehalad\u00e1sa azt mutatja, hogy a k\u00f6zponti bankok digit\u00e1lis valut\u00e1i (CBDC) a j\u00f6v\u0151 p\u00e9nz\u00fcgyi rendszer\u00e9nek val\u00f3s r\u00e9sz\u00e9v\u00e9 v\u00e1lnak. A kriptov\u00e1lt\u00e1k \u2013 p\u00e9ld\u00e1ul a bitcoin vagy az ethereum \u2013 ellent\u00e9t\u00e9ben a digit\u00e1lis eur\u00f3 teljesen szab\u00e1lyozva lenne \u00e9s a k\u00f6zponti bank \u00e1ltal kibocs\u00e1tva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A szok\u00e1sos felhaszn\u00e1l\u00f3k sz\u00e1m\u00e1ra ez gyorsabb \u00e9s olcs\u00f3bb fizet\u00e9seket jelenthetne, bele\u00e9rtve a hat\u00e1ron \u00e1tny\u00fal\u00f3 tranzakci\u00f3kat is. A piac eg\u00e9sz\u00e9r\u0151l pedig tov\u00e1bbi innov\u00e1ci\u00f3-nyom\u00e1st \u2013 k\u00fcl\u00f6n\u00f6sen a fizet\u00e9si infrastrukt\u00fara, a biztons\u00e1g \u00e9s az interoperabilit\u00e1s ter\u00fclet\u00e9n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Egy\u00fattal vil\u00e1gos jel ez arra, hogy Eur\u00f3pa nem szeretne a digit\u00e1lis valutakban lemaradni azon r\u00e9gi\u00f3k m\u00f6g\u00f6tt, amelyek m\u00e1r tesztelik vagy bevezetik saj\u00e1t CBDC projektjeiket.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A digit\u00e1lis eur\u00f3 \u00edgy jelenleg m\u00e9g az el\u0151k\u00e9sz\u00edt\u00e9s f\u00e1zis\u00e1ban marad, de az az \u00fctem, amellyel az ECB az elm\u00e9lett\u0151l a gyakorlat fel\u00e9 halad, azt sugallja, hogy annak meg\u00e9rkez\u00e9se m\u00e1r nem \u201eha&#8221;, hanem ink\u00e1bb az a k\u00e9rd\u00e9s, hogy \u201emikor \u00e9s milyen form\u00e1ban&#8221;.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-neprehlednete-bitmarkets-com-jak-vam-token-btmt-zlepsi-obchodovani-s-kryptomenami\">Ne hagyja ki<a href=\"https:\/\/crypto-globe.com\/bitmarkets-com-jak-vam-token-btmt-zlepsi-obchodovani-s-kryptomenami\/\" target=\"_blank\" rel=\"noreferrer noopener\">: <\/a><a href=\"https:\/\/crypto-globe.com\/hu\/bitmarkets-com-hogyan-javitja-a-btmt-token-a-kriptovaluta-kereskedeset\/\" target=\"_blank\" rel=\"noopener\" title=\"\">BITmarkets.com: Az a kript\u00f3t\u0151zsde, amely \u00faj szab\u00e1lyokat \u00edr<\/a><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Az Eur\u00f3pai K\u00f6zponti Bank (ECB) \u00fajabb l\u00e9p\u00e9st tesz a digit\u00e1lis eur\u00f3 bevezet\u00e9se fel\u00e9. Most megnyitja az egy\u00fcttm\u0171k\u00f6d\u00e9st a gyakorlatban tev\u00e9kenyked\u0151 szak\u00e9rt\u0151kkel, akik seg\u00edts\u00e9g\u00e9vel megtervezhet\u0151, hogy ez a digit\u00e1lis k\u00f6zponti banki p\u00e9nz hogyan m\u0171k\u00f6dne a mindennapi gyakorlatban \u2013 a bankomatokt\u00f3l a fizet\u00e9si termin\u00e1lokon \u00e1t. A digit\u00e1lis eur\u00f3 projekt \u00edgy elm\u00e9leti s\u00edkr\u00f3l a konkr\u00e9t megval\u00f3s\u00edt\u00e1s f\u00e1zis\u00e1ba l\u00e9p. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":58211,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[170],"tags":[621,87],"class_list":["post-58221","post","type-post","status-publish","format-standard","has-post-thumbnail","category-kriptovalutak","tag-digitalis-euro","tag-kriptovalutak"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Az ECB megnyitja az egy\u00fcttm\u0171k\u00f6d\u00e9st az szak\u00e9rt\u0151kkel a digit\u00e1lis eur\u00f3 gyakorlati alkalmaz\u00e1s\u00e1\u00e9rt. 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