PricewaterhouseCoopers (PwC) has just released its Digital Euro Cost Study, which estimates the costs involved in introducing a digital euro at €18B, most of which will be borne by local retail banks.
Commissioned by several European banking associations (EACB, EBF, ESBG), the findings reiterate what Bitcoin maximalists have been saying forever: why not just use Bitcoin?
Finally, we’ll look at several ways for just about anyone to capitalize on Bitcoin’s growth.
With cash usage declining, a secure digital version of the euro — one that isn’t reliant on foreign tech and payment providers — would help the ECB retain control over the euro zone’s monetary system.
Citizens and businesses would surely welcome a public digital payment method that works as legal tender, is as easy to use as cash, and is accepted across the entire eurozone.
On the other hand, local retail banks and branches were concerned that the brunt of the change would fall on them, which is why they commissioned PwC to calculate the costs.
The PwC recommends that the ECB provide retail banks with a clear compensation model and cost-benefit analysis to ensure they don’t have to bear an unfair load of the change costs.
Bitcoin maximalists would argue that a CBDC is unnecessary and a step backward, and that Bitcoin is superior to a central bank digital currency in almost every respect.
For one thing, Bitcoin is anti-deflationary. Its fixed supply of 21M $BTC makes it immune to the government policies that erode the value of fiat currencies.
Indeed, as the very embodiment of decentralized, Bitcoin is free from central bank control and political influence.
Unlike a digital euro, which would be issued, regulated, and monitored by the ECB. Bitcoin champions freedom and privacy — blockchain transactions don’t lead back to your personal identity.
The best part is that Bitcoin welcomes anyone, not just the banks, to build on its infrastructure and profit from their participation.
In a Bitcoin-led economy, related DeFi projects can also carve out a niche while offering a low-cap entry point for retail investors who want a piece of action.
It helps Bitcoin compete with fast chains like Solana. And it lets developers and everyday people use $BTC in new and varied ways, from making instant payments to DeFi, NFTs, and even online gaming.
Bitcoin Hyper uses the Solana Virtual Machine (SVM) for lightning-fast execution of smart contracts, boosting scalability and delivering transaction speeds and fees on par with Solana.
Layer 2 transactions are then batched and compressed for near-instant finality and confirmation on the main net.
Thanks to real-time synchronization between Bitcoin Hyper’s Layer-2 and Bitcoin’s Layer-1, everything is always 100% transparent and secure.
The project has been in presale since May 16, 2025, and has already accumulated over $1.3M.
A challenger brand in the non-custodial crypto wallet space, Best Wallet enables seamless cross-chain swaps with the lowest fees and the best exchange rates.
You’ll also enjoy higher staking rewards, reduced on-chain transaction fees, community governance rights, and early access to upcoming projects.
The presale has already raised over $13.3M with 25M+ tokens staked, showing strong confidence in the project’s ambition to take 40% of the crypto wallet market by 2026.
As always, however, this is not financial advice, and you should DYOR before making any investment.
