The European Central Bank is inviting e-commerce and mobile commerce merchants in the euro zone to join a digital euro pilot ahead of a possible 2029 issuance of a retail CBDC. The pilot will test technology, operational processes and user experience using a beta version that resembles the digital euro but will not be legal tender. Isadora Arredondo, vice president of global policy at Hedera, told CoinDesk the harder challenge is commercial rather than governmental, saying merchants need incentives to join and that payment providers could lower fees for accepting digital-euro payments.

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