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I believe the idea is not to provide any interest rate, precisely so people will be inclined to hold their savings in a "regular" bank, and only use the digital euro as a "wallet" with amount limits and no interest, similar to holding the cash yourself.

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That is certainly what the banks would prefer to happen; currently people are essentially forced to subsidised banks, as pretty much everyone these days is paid by bank transfer into a current account which likely pays little if any interest.

It's less clear that it would make sense not to pay interest from the ECB's pov.

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