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DIGITAL EURO: WHY IT CAN BECOME YOUR WORST ENEMY (and how to protect yourself now)

Have you ever imagined a day when every coffee, movie night, or gift you make is recorded—in real time—on the European Central Bank's servers?
THE'Digital Euro It promises instant payments and zero commissions, but hides dark sides that undermine privacy, financial freedom and savings protectionIn this guide:

  • you will find out what the draft EU Regulation COM/2023/369 really provides;

  • you'll see 5 concrete risks (little discussed) for Italian citizens;

  • you will understand why convert part of the assets into physical gold 🪙 is the first defense;

  • you will review 5 Extra Income Strategies that we teach in Freedom Project.

INDEX

🔎 What the Digital Euro Really Is – Explained in Simple Terms

Imagine two wallets:

  1. What you use today (credit card 💳, banking app): the money you see on the screen they are deposits of a commercial bankIn practice, the bank "owes" you that amount; if the bank goes bankrupt, the guarantee fund steps in (up to €100,000).

  2. The Euro Digital Wallet (CBDC): here's the money they do not belong to a bank, but are registered directly with the European Central Bank (ECB)Technically, they become a "promise" from the ECB itself, considered the most solid institution in the euro area.

What changes, in concrete terms?

TodayWith Digital Euro
Your balance is a credit to your bank.Your balance is a credit towards the ECB (safer).
The bank can fail → risk (covered by the fund up to €100k).The ECB cannot fail in the traditional sense; the risk is almost zero.
Transactions are tracked by bank and card schemes.Transactions go from one ECB Central Register → more detailed control.

Possession limit:
To prevent everyone from moving their savings from traditional banks to the ECB's portfolio (creating problems for the banking system), the proposed regulation establishes an indicative ceiling of €3,000-4,000 per person. Above that amount, you'll have to keep your money... where you keep it today.

No “expiring money”:
The ECB has stated that the Digital Euro will not be programmable in the "time-limited" or "for certain purchases only" style. So, at least on paper, they won't be able to tell you that your euros will disappear if you don't spend them by a certain date.

In short 👉 more formal security, but also more eyes on your expenses 😅

⚠️ From promises to reality: 5 concrete risks

  1. Full transaction monitoring
    Although the ECB speaks of "privacy by design," the very nature of a central registry makes it possible to link identity and spending. Academic studies highlight that CBDCs will never be able to replicate the anonymity of cash, especially offline. 

  2. Possession limits = limits on your freedom
    The €3,000-€4,000 cap prevents CBDCs from being used as a store of value. In the event of a crisis, the government could lower the limit or block withdrawals to avoid “bank runs”. 

  3. Extreme monetary policy weapon
    The ECB today excludes negative interest rates on CBDC, but several papers on the topic show how differentiated remuneration or penalizing rates could become tools to stimulate the economy.

  4. De facto programmability via KYC/AML
    The regulation provides for integration with the new EU Anti-Money Laundering (AMLR) package. In practice, transactions above the threshold or to "at-risk" categories could be rejected in real time.

  5. Centralization of financial power
    If a significant portion of deposits migrated to CBDCs, commercial banks would lose funds to invest in the real economy, increasing the risk of a credit crunch.

🆘 Critical points in European and Italian regulations

NormaWhat does he say?Why it's a risk
Proposal for EU Regulation COM/2023/369 – Art. 9 (Access and Identification)Full KYC identification requirement for Euro Digital wallets.Every transaction linked to a tax code → goodbye anonymity. (EUR-Lex)
GDPR Art. 5 & 25Principles of minimization and “privacy by default”.Saving all transactions, even unnecessary ones, goes against the rule of collecting only strictly useful data (minimization) (GDPR, GDPR)
Italian Constitution Art. 47Protection of savings in all its forms.If there are limits on how much you can own and if the value of your money decreases over time (negative rates), then money loses its ability to hold value.
Italian Constitution Art. 15Confidentiality of correspondence and all forms of communication.Financial transactions are sensitive economic communications. Therefore, the very concept of CBDCs undermines this fundamental principle of our Constitution.

READ THE DRAFT LAW YOURSELF
👉 [CLICK HERE for the full text COM/2023/369]

⏱️ Next steps and timelines

PhaseIndicative dateWhat's happening
ECB technical preparation (ongoing phase)November 2023 → October 2025Rulebook v1.0 development, ledger prototypes, offline testing.
EU political agreementECB's stated objective: early 2026Final approval by Parliament and Council.
Formal decision to issueEnd of 2026/2027Governing Council gives the green light if conditions are met.
Gradual rollout to the public2028+ (Bundesbank estimates)Initial holding limit (~€3,000) and basic functions.

🥇 Why physical gold is the lifeline of life

As authorities push towards traceable digital currencies, Central banks around the world are stockpiling gold at record levels: over 1,000 tons a year from 2023 onwards.

They do this for three reasons that also apply to the ordinary citizen:

  • Inflation protection: in 2025 gold exceeded €92/gram recording an average of +27% annual in the last thirty years

  • Geopolitical diversification: free your assets from the euro alone and from ECB policies.

  • Real asset, not digital: coins and bars cannot be “turned off” by a click of the regulator.

According to the WGC 2025 survey, Central banks plan to continue buying gold; the 43% will increase reserves. World Gold Council

👉 FIND OUT HOW TO BUY PHYSICAL GOLD SAFELY

Watch our live broadcast on the financial challenges you'll inevitably face and learn more about the solutions available for you and your family.

🔄 Diversify your income before it's too late

Have multiple income streams means less dependence on the decisions of governments and central banks.

1. 🤖 Risk-Controlled Automated Trading

Proprietary algorithmic strategies on forex and commodities, back-tested since 2018 and monitored in real time: calibrated capital allocation and draw-down predefined maximum. Learn more by reading our article: AUTOTRADING IN FOREX: HOW EAs WORK AND WHAT ARE THE RISKS

2. 🏠 Real Estate Gold

Acquisition of corporate shares that own properties, with an already active short-term rental formula, in highly developed locations such as: Thailand, Indonesia, Albania, etc. Average returns from 15/20 % per year. Learn more by reading our article: REAL ESTATE INVESTMENTS – Earn Money With Short Term Rentals

3. ₿ Regulated Crypto‑assets

We'll help you understand how blockchain technology works and which cryptocurrencies are best to invest in if you're interested in entering this world. Over the last 10 years, Bitcoin has grown 400-fold (+40400%). If this is a completely unfamiliar world for you, start by checking out this article: THE CRYPTOCURRENCY MARKET: Risk or Opportunity?

4. 🎯 Matched Betting (✔️ 100% math %)

Take advantage of ADM bookmaker bonuses with bets covered at 100%: guaranteed net profit If you follow the procedure, it's a completely legal technique in Italy and truly accessible to everyone. Check out our article: SAFE EARNINGS ONLINE: Truth or Utopia?

5. ✍️ Self-Publishing

With Amazon KDP, authors who earn ≥ €50,000 per year they grew up 40 % in the last two years aboutamazon.com…it's truly a unique business because you don't have to be a writer to start generating income from selling your books. If you'd like to learn more, we've explained everything in our article: SELF-PUBLISHING: Your Gateway to Financial Freedom and Professional Success

🚀 DO YOU WANT THE COMPLETE OPERATIONAL CHECKLIST?

CLICK HERE and book your free call: we will find out how to integrate Physical gold, automated trading, and online income in your financial freedom plan.

✉️ Conclusion

The Digital Euro presents itself as a natural evolution of payments, but the same rules that promise efficiency can be transformed into levers of control on spending, savings, and individual freedom. EU regulations and Italian constitutional principles already show evident friction. To ensure you're prepared:

  1. Keep part of your assets in physical gold: it is liquid, universal and outside the banking circuit.

  2. Build diversified income: less dependence on the traditional system = more resilience.

  3. Stay informed: follow legislative updates and verify original sources.

Thanks and see you next time.

Davide Bottero
Co-Founder of Progetto Libertà

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