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ECB maps Appia path for tokenized market settlements, opens consultation; Pontes pilots in 2026

The European Central Bank unveiled 'Appia', a roadmap to integrate central bank money into tokenized markets and align with the Eurosystem’s Pontes DLT settlement efforts.

37h agoMar 12, 2026, 6:39 AMNewsroom AI

The European Central Bank launched Appia to guide the development of a tokenized financial ecosystem that keeps central bank money as the settlement anchor in digital markets [1]. The framework is designed to work alongside the Eurosystem’s Pontes DLT platform, which aims to connect central bank currency to blockchain-based systems and support tokenized asset settlement [2][4].

Appia sets out a phased plan with early Pontes pilots planned for 2026 and a comprehensive ecosystem blueprint targeted for completion by 2028, positioning the initiative to support market competitiveness and innovation while ensuring seamless integration with existing monetary arrangements [1][2][4].

The ECB has invited industry participants to provide input via a digital survey, with submissions open through April 22, as part of the consultation process to refine the Appia roadmap [2].

Appia formalizes the ECB’s roadmap for bringing central bank money into tokenized markets, coordinating with Pontes pilots starting in 2026 and a full blueprint aimed for 2028, while soliciting industry feedback to shape implementation [1][2][4].

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