Together with the ECB, the EU Commission has long been discussing the introduction of a digital euro to complement coins and banknotes. On 28 June 2023, it finally published a first legislative proposal. The thrust of the central bank digital currency is now also clear: it is about free access to an alternative means of payment - for private individuals. The EU Commission is not only hoping for more financial inclusion; consumers should also benefit from the security and anonymity of the digital euro.