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Digital Euro Kit
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About Digital Euro Kit

Digital Euro Kit exists because the digital euro has an information problem. It is one of the largest changes to European payments in a generation, it carries a legal obligation for every credit institution in the euro area, and most of what is written about it is either a policy summary with no engineering detail or confident speculation about a blockchain that does not exist.

This site is the resource I wanted and could not find: accurate, technical, and honest about what is still unknown.

Who writes it

Digital Euro Kit is written by Marko Marinović, Peppol specialist and software engineer. I build European payments and e-invoicing infrastructure for a living — EN 16931 / Peppol e-invoicing systems and white-label TSP integration for the digital euro — so I read the scheme rulebook and the pilot specifications because I implement against them, not as a research exercise.

That is also the obvious conflict of interest, so I will state it plainly: I sell digital euro integration. I think the site is more useful if I am straightforward about that than if I pretend to be a neutral observer. Where building in-house is the right answer for you, the articles say so.

What I am building

Alongside this site I am developing a white-label digital euro wallet and TSP engine — the software layer a PSP needs to distribute the digital euro: DESP integration, DEAN and alias handling, holding limits with waterfall and reverse waterfall, funding and defunding, and the certification harness to prove it all against the scheme rulebook.

Software like this cannot reach production on its own: it needs a bank, PSP or electronic money institution behind it — a partner with the regulatory standing to pilot it, shape the roadmap and take it to the Eurosystem’s certification process. If you are at an institution that wants a head start on its digital euro obligation rather than a from-scratch build in 2028, I would genuinely like to talk: info@digitaleurokit.com.

How I source things

Every article ends with its sources, and they point at ecb.europa.eu. The rules I follow:

  • Primary sources only. The scheme rulebook, the pilot documentation and official ECB publications — not secondary reporting about them.
  • I flag what is draft. Rulebook v0.91 is explicitly a draft, and the regulation is still in the EU legislative process. Where something is unsettled, I say so rather than presenting a plan as a fact.
  • I do not invent numbers. The holding limit amount has not been decided. I will not quote a figure until one is published, however much people want one.
  • I date everything. Every page carries a last-updated date, because in a fast-moving topic an undated article is a liability.

What this site is not

This site is not affiliated with, authorised by, or endorsed by the European Central Bank or the Eurosystem. It uses no ECB or official digital euro marks anywhere — text references only. Nothing here is legal, regulatory or investment advice.

Corrections

If I have something wrong, I want to know, and I will fix it and update the date. Tell me.