[egorfine]

> how this would affect my day-to-day (private) payment experience

You will need to pass KYC at every counter.

[ano-ther]

Well they already know me. I make about one small payment per quarter in cash, everything else via phone, card or bank transfer.

So I don’t see the day-to-day difference with digital euro, except that the backend seems to have fewer intermediaries (and maybe lower cost for the merchant?). Also it would work in more than one country which is good.