Digital euro pilot — End-to-end process flows
The most implementation-dense pilot document: 2771 lines, full step-by-step flows for
every process, each flow diagram followed by a #Step / Step name / Initiating actor(s) / Receiving actor(s) / Definition table — that table is the precise, quotable contract.
Process IDs use family prefixes: sAM-* (access management), sLM-* (liquidity
management), sTM-* (transaction management).
Superseded/formalized by: src-participation-agreement-appendix-2f — same structure and process-ID families, later republished as a signed contract appendix (v2.0, 12 May 2026). Treat that version as authoritative once a PSP has a signed Participation Agreement; this doc is the pre-contract draft. See selection-and-participation-process for the full timeline relationship.
Structure (3 chapters)
- Access management — onboarding (individual/business/app-config/bulk DEAN), lifecycle/profile management, offboarding, sub-flows (account closure, coding request, authentication, device auth, alias ownership check).
- Liquidity management — funding/defunding (online, offline via app, offline
beta-to-beta), sub-flows (commercial bank checks, funding/defunding checks, defunding) —
see funding-and-defunding for the extracted
sLM-32–sLM-35step tables. - Transaction management — P2P (NFC/alias/DEAN), e-commerce, m-commerce, POS, refunds, balance/history, sub-flows (integrity check, offline settlement, balance pre-checks, pre-settlement, PSP processing, holding-limit waterfall check, SoftPOS defunding) — see online-and-offline-payments.
Extraction quality note
Flow diagrams convert to a rough linearized “picture text” transcript (readable but not a clean diagram) immediately followed by the proper step table — the step table is what carries the actual implementable content and is faithfully preserved. Minor cosmetic artifact: table header rows occasionally split across a PDF page break; data rows are intact.
Feeds into
onboarding · funding-and-defunding · online-and-offline-payments · authentication