Public and private collaboration is essential for shaping the future of digital payments, according to leadership at major financial institutions. A pan-European approach to digital money—supported by robust infrastructure and unified standards—creates the foundation for seamless, secure, and innovative payment solutions. This strategic alignment between government bodies and market participants strengthens the overall ecosystem, enabling integrated financial services that meet modern demands while maintaining regulatory oversight. The convergence of public policy and private innovation represents a critical pathway toward building the next generation of payment systems across interconnected markets.