ECB Appia and Pontes: Tokenised Central Bank Money Settlement and the Future of European Payment Infrastructure
Last updated: June 2026 The first mistake teams make with ECB Appia is filing it under the wrong roadmap. The name surfaces in payments newsletters next to SEPA instant credit transfers and the Verification of Payee deadline, so it gets read as the next step in the retail instant payments programme. It is not. Appia,…