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href="/mopo/eaec/eer/html/index.et.html">Efektiivsed vahetuskursid</a></li><li class="clearfix"><a href="/mopo/eaec/structure/html/index.et.html">Finantsstruktuur</a></li><li class="clearfix"><a href="/mopo/eaec/markets/html/index.et.html">Finantsturud</a></li><li class="clearfix"><a href="/mopo/eaec/intermediaries/html/index.et.html">Finantsvahendajad</a></li><li class="clearfix"><a href="/mopo/eaec/diversity/html/index.et.html">Majanduslik mitmekesisus</a></li><li class="clearfix"><a href="/mopo/eaec/labour/html/index.et.html">Tööturg</a></li></ul></li><li class="has-subpages"><a href="/mopo/market-contact-groups/html/index.et.html">Turgude kontaktrühmad</a><a href="#" class="subpages" title="toggle subpages for Turgude kontaktrühmad"></a><ul><li class="clearfix"><a href="/mopo/market-contact-groups/bmcg/html/index.et.html">Võlakirjaturu kontaktrühm</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/mmcg/html/index.et.html">Rahaturu kontaktrühm</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/dimcg/html/index.et.html">Võlakirjade emiteerimise turu kontaktrühm (DIMCG)</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/omg/html/index.et.html">EKP operatsioonihaldurite rühm</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/fxcg/html/index.et.html">Välisvaluuta kontaktrühm</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/iid/html/index.et.html">Institutsiooniliste investorite vaheline dialoog</a></li></ul></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/paym/html/index.et.html">Maksed & finantsstabiilsus</a><a href="#" class="subpages" title="toggle subpages for Maksed & finantsstabiilsus"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Maksed ja finantsstabiilsus</div> <p>Ülevaade meie tööst finantsstabiilsuse ja maksete infrastruktuuri valdkonnas</p><a href="/paym/html/index.en.html">Ülevaade maksete ja finantsstabiilsuse teemadest</a><hr> <div class="nav-title">Lingid</div> <ul> <li><a href="/euro/digital_euro/html/index.en.html">Digitaalne euro</a></li> <li><a href="/press/intro/html/index.en.html">Maksete valdkonna uudised</a></li> <li><a href="/paym/target/target-professional-use-documents-links/html/index.en.html">Dokumendid ja lingid TARGETi ekspertidele</a></li> </ul> </div><a href="/pub/financial-stability/fsr/html/index.en.html" class="item image"> <img src="/paym/financial-stability/html/index/fsr_1000x750.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">Värskeim finantsstabiilsuse ülevaade</div> <div class="image-date">16. mai 2024</div></a></div></div><ul><li class="clearfix"><span>Maksed</span></li><li class="has-subpages"><a href="/paym/target/html/index.et.html">TARGETi teenused</a><a href="#" class="subpages" title="toggle subpages for TARGETi teenused"></a><ul><li class="clearfix"><a href="/paym/target/coco/html/index.et.html">Ühised elemendid</a></li><li class="has-subpages"><a href="/paym/target/t2/html/index.et.html">T2</a><a href="#" class="subpages" title="toggle subpages for T2"></a><ul><li class="clearfix"><a href="/paym/target/t2/facts/html/index.et.html">Facts and figures</a></li><li class="clearfix"><a href="/paym/target/t2/governance/html/index.et.html">Juhtimine</a></li></ul></li><li class="has-subpages"><a href="/paym/target/t2s/html/index.et.html">T2S</a><a href="#" class="subpages" title="toggle subpages for T2S"></a><ul><li class="clearfix"><a href="/paym/target/t2s/governance/html/index.et.html">Juhtimine</a></li><li class="clearfix"><a href="/paym/target/t2s/facts/html/index.et.html">Faktid ja arvud</a></li><li class="clearfix"><a href="/paym/target/t2s/pricing/html/index.et.html">Hinnakujundus</a></li></ul></li><li class="has-subpages"><a href="/paym/target/tips/html/index.et.html">TARGETi välkmaksete arveldussüsteem (TIPS)</a><a href="#" class="subpages" title="toggle subpages for TARGETi välkmaksete arveldussüsteem (TIPS)"></a><ul><li class="clearfix"><a href="/paym/target/tips/governance/html/index.et.html">Juhtimine</a></li><li class="clearfix"><a href="/paym/target/tips/facts/html/index.et.html">Faktid ja arvud</a></li><li class="clearfix"><a href="/paym/target/tips/onboarding/html/index.et.html">Ühinemine</a></li></ul></li><li class="clearfix"><a href="/paym/target/ecms/html/index.et.html">Eurosüsteemi tagatiste haldamise süsteem</a></li><li class="has-subpages"><a href="/paym/target/target-professional-use-documents-links/html/index.et.html">TARGETi dokumendid ja lingid eksperdile</a><a href="#" class="subpages" title="toggle subpages for TARGETi dokumendid ja lingid eksperdile"></a><ul><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/coco/html/index.et.html">Ühised elemendid: dokumendid ja lingid</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/t2/html/index.et.html">T2 dokumendid ja lingid</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/t2s/html/index.et.html">T2S dokumendid ja lingid</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/tips/html/index.et.html">TIPS: dokumendid ja lingid</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/ecms/html/index.et.html">Ekspertidele</a></li></ul></li></ul></li><li class="has-subpages"><a href="/paym/integration/html/index.et.html">Lõimumine ja innovatsioon</a><a href="#" class="subpages" title="toggle subpages for Lõimumine ja innovatsioon"></a><ul><li class="has-subpages"><a href="/paym/integration/distributed/html/index.et.html">Hajusraamatu tehnoloogia</a><a href="#" class="subpages" title="toggle subpages for Hajusraamatu tehnoloogia"></a><ul><li class="clearfix"><a href="/paym/integration/distributed/exploratory/html/index.et.html">Uurimistegevus</a></li></ul></li><li class="has-subpages"><a href="/paym/integration/retail/html/index.et.html">Jaemaksed</a><a href="#" class="subpages" title="toggle subpages for Jaemaksed"></a><ul><li class="clearfix"><a href="/paym/integration/retail/retail_payments_strategy/html/index.et.html">Jaemakseteenuste strateegia</a></li><li class="clearfix"><a href="/paym/integration/retail/ecb/html/index.et.html">EKP kiirendav roll</a></li><li class="clearfix"><a href="/paym/integration/retail/sepa/html/index.et.html">Ühtne euromaksete piirkond (SEPA)</a></li><li class="clearfix"><a href="/paym/integration/retail/instant_payments/html/index.et.html">Välkmaksed</a></li></ul></li><li class="has-subpages"><a href="/paym/integration/collateral/html/index.et.html">Tagatiste haldamise ühtlustamine</a><a href="#" class="subpages" title="toggle subpages for Tagatiste haldamise ühtlustamine"></a><ul><li class="clearfix"><a href="/paym/integration/collateral/implementation/html/index.et.html">Rakendamine</a></li><li class="clearfix"><a href="/paym/integration/collateral/faq/html/index.et.html">Korduma kippuvad küsimused</a></li></ul></li></ul></li><li class="has-subpages"><a href="/paym/cyber-resilience/html/index.et.html">Kübervastupidavusvõime</a><a href="#" class="subpages" title="toggle subpages for Kübervastupidavusvõime"></a><ul><li class="clearfix"><a href="/paym/cyber-resilience/fmi/html/index.et.html">Finantsturutaristud</a></li><li class="clearfix"><a href="/paym/cyber-resilience/tiber-eu/html/index.et.html">ELi TIBER-raamistik</a></li></ul></li><li class="has-subpages"><a href="/paym/pol/html/index.et.html">Järelevaatamine</a><a href="#" class="subpages" title="toggle subpages for Järelevaatamine"></a><ul><li class="clearfix"><a href="/paym/pol/systems/html/index.et.html">Maksesüsteemid</a></li><li class="clearfix"><a href="/paym/pol/target2-securities/html/index.et.html">TARGET2-Securities</a></li><li class="clearfix"><a href="/paym/pol/instr/html/index.et.html">E-maksed</a></li><li class="clearfix"><a href="/paym/pol/clearing/html/index.et.html">Väärtpaberiarveldussüsteemid ja kesksed vastaspooled</a></li><li class="clearfix"><a href="/paym/pol/critical/html/index.et.html">Kriitilise tähtsusega teenusepakkujad</a></li><li class="clearfix"><a href="/paym/pol/correspondent-and-custodian-banks/html/index.et.html">Korrespondent- ja depoopangad</a></li><li class="clearfix"><a href="/paym/pol/forum/html/index.et.html">SecuRe Pay foorum</a></li></ul></li><li class="has-subpages"><a href="/paym/erms/html/index.et.html">Reservihaldusteenused</a><a href="#" class="subpages" title="toggle subpages for Reservihaldusteenused"></a><ul><li class="clearfix"><a href="/paym/erms/aspects/html/index.et.html">Põhiaspektid</a></li><li class="clearfix"><a href="/paym/erms/service/html/index.et.html">Teenused</a></li></ul></li><li class="has-subpages"><a href="/paym/cashprof/html/index.et.html">Sularahakäitlejad</a><a href="#" class="subpages" title="toggle subpages for Sularahakäitlejad"></a><ul><li class="has-subpages"><a href="/paym/cashprof/cashhand/html/index.et.html">Sularahakäitlus</a><a href="#" class="subpages" title="toggle subpages for Sularahakäitlus"></a><ul><li class="clearfix"><a href="/paym/cashprof/cashhand/devices/html/index.et.html">Pangatähtede ehtsust kontrollivad seadmed</a></li><li class="clearfix"><a href="/paym/cashprof/cashhand/recycling/html/index.et.html">Pangatähtede taasringlus</a></li></ul></li><li class="clearfix"><a href="/paym/cashprof/cdispec/html/index.et.html">Standardse detektorliidese kirjeldus</a></li><li class="clearfix"><a href="/paym/cashprof/accreditation/html/index.et.html">Tootjate atesteerimine</a></li></ul></li><li class="has-subpages"><a href="/paym/groups/html/index.et.html">Maksete kontaktrühmad</a><a href="#" class="subpages" title="toggle subpages for Maksete kontaktrühmad"></a><ul><li class="clearfix"><a href="/paym/groups/ami/html/index.et.html">Turuinfrastruktuuride nõuanderühmad</a></li><li class="clearfix"><a href="/paym/groups/euro-cyber-board/html/index.et.html">Euro kübervastupidavusvõime nõukogu</a></li><li class="clearfix"><a href="/paym/groups/erpb/html/index.et.html">Eurojaemaksete nõukogu</a></li><li class="clearfix"><a href="/paym/groups/efip/html/index.et.html">Euroopa makseuuenduste foorum</a></li></ul></li><li class="clearfix"><span>Finantsstabiilsus</span></li><li class="clearfix"><a href="/paym/financial-stability/html/index.et.html">Ülevaade</a></li><li class="clearfix"><a href="/paym/macroprudential-measures/html/index.et.html">Makrotasandi usaldatavusmeetmed</a></li><li class="clearfix"><a href="/paym/financial_stability_contact_groups/html/index.et.html">Finantsstabiilsusega tegelevad kontaktrühmad</a></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/stats/html/index.et.html">Statistika</a><a href="#" class="subpages" title="toggle subpages for Statistika"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Statistika</div> <p>Juurdepääs EKP statistikale ja taustteabele</p><a href="/stats/html/index.en.html">EKP statistika ülevaade</a><hr> <div class="nav-title">Lingid</div> <ul> <li><a href="https://data.ecb.europa.eu/main-figures">Olulised näitajad</a></li> <li><a href="https://data.ecb.europa.eu/">EKP andmeportaal</a></li> <li><a href="/stats/ecb_statistics/accessing-our-data/html/index.en.html">Kõik andmeteenused</a></li> </ul> </div><a href="/press/blog/date/2024/html/ecb.blog20240418~2240ea1850.en.html" class="item image"> <img src="/press/blog/date/2024/html//ecb.blog20240418~2240ea1850/ecb.blog20240418~2240ea1850.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">EKP BLOGI – Tõhustatud andmed: kuidas mõjutavad kliimamuutused panku</div> <div class="image-date">18. aprill 2024</div></a></div></div><ul><li class="clearfix"><span>Enim vaadatud</span></li><li class="clearfix"><a href="/stats/euro-exchange-rates/html/index.et.html">Euro vahetuskursid</a></li><li class="clearfix"><a href="/stats/key-ecb-interest-rates/html/index.et.html">EKP baasintressimäärad</a></li><li class="has-subpages"><a href="/stats/euro-short-term-rates/html/index.et.html">Euro lühiajaline intressimäär (€STR)</a><a href="#" class="subpages" title="toggle subpages for Euro lühiajaline intressimäär (€STR)"></a><ul><li class="has-subpages"><a href="/stats/euro-short-term-rates/interest_rate_benchmarks/html/index.et.html">Viiteintressimäärad</a><a href="#" class="subpages" title="toggle subpages for Viiteintressimäärad"></a><ul><li class="clearfix"><a href="/stats/euro-short-term-rates/interest_rate_benchmarks/WG_euro_risk-free_rates/html/index.et.html">Euro riskivabade intressimäärade töörühm</a></li></ul></li></ul></li><li class="clearfix"><a href="/stats/inflation/html/index.et.html">Inflatsioon</a></li><li class="clearfix"><a href="/stats/euro-area-yield-curves/html/index.et.html">Euroala tulukõverad</a></li><li class="clearfix"><span>Kogu statistika ja taustteave</span></li><li class="clearfix"><a href="/stats/all-key-statistics/html/index.et.html">Kõik olulised statistikaandmed</a></li><li class="clearfix"><a href="/stats/accessing-our-data/html/index.et.html">Juurdepääs andmetele</a></li><li class="has-subpages"><a href="/stats/ecb_statistics/html/index.et.html">Põhiteemad</a><a href="#" class="subpages" title="toggle subpages for Põhiteemad"></a><ul><li class="clearfix"><a href="/stats/ecb_statistics/governance_and_quality_framework/html/index.et.html">Statistika haldamine ja kvaliteediraamistik</a></li><li class="clearfix"><a href="/stats/ecb_statistics/co-operation_and_standards/html/index.et.html">Koostöö ja standardid</a></li><li class="clearfix"><a href="/stats/ecb_statistics/reporting/html/index.et.html">Pankade aruandlus</a></li><li class="has-subpages"><a href="/stats/ecb_statistics/anacredit/html/index.et.html">AnaCredit</a><a href="#" class="subpages" title="toggle subpages for AnaCredit"></a><ul><li class="clearfix"><a href="/stats/ecb_statistics/anacredit/questions/html/index.et.html">AnaCredit: küsimused ja vastused</a></li></ul></li><li class="clearfix"><a href="/stats/ecb_statistics/consultations/html/index.et.html">Avalikud konsultatsioonid</a></li><li class="clearfix"><a href="/stats/ecb_statistics/dialogue/html/index.et.html">Pangandussektori dialoog EKPSi statistika ja integreeritud aruandluse küsimustes</a></li><li class="clearfix"><a href="/stats/ecb_statistics/sdmx/html/index.et.html">Statistiliste andmete vahetuse mudel (SDMX)</a></li><li class="clearfix"><a href="/stats/ecb_statistics/inexda/html/index.et.html">Granulaarsete andmete võrgustik (INEXDA)</a></li></ul></li></ul></div></li><li class="has-subpages -section" aria-expanded="false"><a href="/euro/html/index.et.html">Euro</a><a href="#" class="subpages" title="toggle subpages for Euro"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Euro</div> <p>Ühisvääringuga seotud teemad</p><a href="/euro/html/index.en.html">Ülevaade eurost</a><hr> <div class="nav-title">Lingid</div> <ul> <li><a href="/paym/cashprof/html/index.en.html">Sularahakäitlejad</a></li> <li><a href="/stats/policy_and_exchange_rates/banknotes+coins/html/index.en.html">Statistika pangatähtede ja müntide kohta</a></li> <li><a href="/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/index.en.html">Euro vahetuskursid</a></li> </ul> </div><a href="/euro/digital_euro/progress/html/index.en.html" class="item image"> <img src="/euro/digital_euro/shared/img/Digital Euro_Website_Homepage-Box-eurosign_1000x750.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">Esimene eduaruanne digitaalse euro ettevalmistusetapi kohta</div> <div class="image-date">24. juuni 2024</div></a></div></div><ul><li class="has-subpages -current"><a href="/euro/digital_euro/html/index.et.html">Digitaalne euro</a><a href="#" class="subpages" title="toggle subpages for Digitaalne euro"></a><ul><li class="has-subpages"><a href="/euro/digital_euro/features/html/index.et.html">Põhiomadused</a><a href="#" class="subpages" title="toggle subpages for Põhiomadused"></a><ul><li class="clearfix"><a href="/euro/digital_euro/features/privacy/html/index.et.html">Digital euro and privacy</a></li></ul></li><li class="clearfix"><a href="/euro/digital_euro/how-it-works/html/index.et.html">Kuidas digitaalne euro toimib</a></li><li class="clearfix"><a href="/euro/digital_euro/why-we-need-it/html/index.et.html">Miks on digitaalne euro vajalik?</a></li><li class="clearfix"><a href="/euro/digital_euro/progress/html/index.et.html">Ajakava ja kulg</a></li><li class="has-subpages"><a href="/euro/digital_euro/timeline/html/index.et.html">Projektist lähemalt</a><a href="#" class="subpages" title="toggle subpages for Projektist lähemalt"></a><ul><li class="clearfix"><a href="/euro/digital_euro/timeline/stakeholder/html/index.et.html">Juhtimine ja sidusrühmade kaasamine</a></li><li class="clearfix"><a href="/euro/digital_euro/timeline/profuse/html/index.et.html">Tehniline teave ja uurimistöö</a></li><li class="clearfix"><a href="/euro/digital_euro/timeline/rulebook/html/index.et.html">Projekti reeglistik</a></li></ul></li><li class="clearfix"><a href="/euro/digital_euro/faqs/html/index.et.html">Korduma kippuvad küsimused</a></li></ul></li><li class="clearfix"><span>Sularaha</span></li><li class="has-subpages"><a href="/euro/cash_strategy/html/index.et.html">Eurosüsteemi sularahastrateegia</a><a href="#" class="subpages" title="toggle subpages for Eurosüsteemi sularahastrateegia"></a><ul><li class="clearfix"><a href="/euro/cash_strategy/cash_role/html/index.et.html">Sularaha roll</a></li><li class="clearfix"><a href="/euro/cash_strategy/issuance/html/index.et.html">Emiteerimine ja ringlus</a></li><li class="clearfix"><a href="/euro/cash_strategy/acceptance-cash/html/index.et.html">Juurdepääs sularahale ja selle aktsepteerimine maksevahendina</a></li><li class="clearfix"><a href="/euro/cash_strategy/faqs/html/index.et.html">Korduma kippuvad küsimused</a></li></ul></li><li class="has-subpages"><a href="/euro/banknotes/html/index.et.html">Pangatähed</a><a href="#" class="subpages" title="toggle subpages for Pangatähed"></a><ul><li class="has-subpages"><a href="/euro/banknotes/future_banknotes/html/index.et.html">Uued pangatähed</a><a href="#" class="subpages" title="toggle subpages for Uued pangatähed"></a><ul><li class="clearfix"><a href="/euro/banknotes/future_banknotes/redesign/html/index.et.html">Kujunduse muutmise protsess</a></li></ul></li><li class="has-subpages"><a href="/euro/banknotes/current/html/index.et.html">Praegu ringluses olevad pangatähed</a><a href="#" class="subpages" title="toggle subpages for Praegu ringluses olevad pangatähed"></a><ul><li class="clearfix"><a href="/euro/banknotes/current/denominations/html/index.et.html">Nimiväärtused</a></li><li class="clearfix"><a href="/euro/banknotes/current/design/html/index.et.html">Kujunduselemendid</a></li><li class="clearfix"><a href="/euro/banknotes/current/security/html/index.et.html">Turvaelemendid</a></li></ul></li><li class="clearfix"><a href="/euro/banknotes/ac/html/index.et.html">Võltsimisvastane tegevus</a></li><li class="clearfix"><a href="/euro/banknotes/production/html/index.et.html">Pangatähtede tootmine ja varud</a></li><li class="clearfix"><a href="/euro/banknotes/damaged/html/index.et.html">Kahjustatud ja tindiplekkidega pangatähed</a></li><li class="has-subpages"><a href="/euro/banknotes/environmental/html/index.et.html">Keskkond, tervishoid ja ohutus</a><a href="#" class="subpages" title="toggle subpages for Keskkond, tervishoid ja ohutus"></a><ul><li class="clearfix"><a href="/euro/banknotes/environmental/pef/html/index.et.html">Toote keskkonnajalajälg</a></li></ul></li><li class="clearfix"><a href="/euro/banknotes/research/html/index.et.html">Teadus- ja arendustegevus</a></li><li class="clearfix"><a href="/euro/banknotes/images/html/index.et.html">Pangatähtede pildid ja reprodutseerimiseeskirjad</a></li><li class="clearfix"><a href="/euro/banknotes/info/html/index.et.html">Teabe- ja koolitusmaterjalid</a></li></ul></li><li class="has-subpages"><a href="/euro/coins/html/index.et.html">Mündid</a><a href="#" class="subpages" title="toggle subpages for Mündid"></a><ul><li class="clearfix"><a href="/euro/coins/2euro/html/index.et.html">2 €</a></li><li class="clearfix"><a href="/euro/coins/1euro/html/index.et.html">1 €</a></li><li class="clearfix"><a href="/euro/coins/50cents/html/index.et.html">50 senti</a></li><li class="clearfix"><a href="/euro/coins/20cents/html/index.et.html">20 senti</a></li><li class="clearfix"><a href="/euro/coins/10cents/html/index.et.html">10 senti</a></li><li class="clearfix"><a href="/euro/coins/5cents/html/index.et.html">5 senti</a></li><li class="clearfix"><a href="/euro/coins/2cents/html/index.et.html">2 senti</a></li><li class="clearfix"><a href="/euro/coins/1cent/html/index.et.html">1 sent</a></li><li class="clearfix"><a href="/euro/coins/common/html/index.et.html">Ühine külg</a></li><li class="clearfix"><a href="/euro/coins/comm/html/index.et.html">2-eurosed mälestusmündid</a></li><li class="clearfix"><a href="/euro/coins/security/html/index.et.html">Turvaelemendid</a></li><li class="clearfix"><a href="/euro/coins/collect/html/index.et.html">Meenemündid</a></li></ul></li><li class="has-subpages"><a href="/euro/changeover/html/index.et.html">Sularahale üleminek</a><a href="#" class="subpages" title="toggle subpages for Sularahale üleminek"></a><ul><li class="clearfix"><a href="/euro/changeover/croatia/html/index.et.html">Horvaatia (2023)</a></li><li class="clearfix"><a href="/euro/changeover/lithuania/html/index.et.html">Leedu (2015)</a></li><li class="clearfix"><a href="/euro/changeover/latvia/html/index.et.html">Läti (2014)</a></li><li class="clearfix"><a href="/euro/changeover/estonia/html/index.et.html">Eesti (2011)</a></li><li class="clearfix"><a href="/euro/changeover/slovakia/html/index.et.html">Slovakkia (2009)</a></li><li class="clearfix"><a href="/euro/changeover/cyprus/html/index.et.html">Küpros (2008)</a></li><li class="clearfix"><a href="/euro/changeover/malta/html/index.et.html">Malta (2008)</a></li><li class="clearfix"><a href="/euro/changeover/slovenia/html/index.et.html">Sloveenia (2007)</a></li><li class="clearfix"><a href="/euro/changeover/2002/html/index.et.html">Sularahale üleminek 2002. aastal</a></li></ul></li><li class="has-subpages"><a href="/euro/exchange/html/index.et.html">Liikmesriigi vääringu vahetamine euro vastu</a><a href="#" class="subpages" title="toggle subpages for Liikmesriigi vääringu vahetamine euro vastu"></a><ul><li class="clearfix"><a href="/euro/exchange/au/html/index.et.html">Austria</a></li><li class="clearfix"><a href="/euro/exchange/be/html/index.et.html">Belgia</a></li><li class="clearfix"><a href="/euro/exchange/hr/html/index.et.html">Horvaatia</a></li><li class="clearfix"><a href="/euro/exchange/cy/html/index.et.html">Küpros</a></li><li class="clearfix"><a href="/euro/exchange/et/html/index.et.html">Eesti</a></li><li class="clearfix"><a href="/euro/exchange/fi/html/index.et.html">Soome</a></li><li class="clearfix"><a href="/euro/exchange/fr/html/index.et.html">Prantsusmaa</a></li><li class="clearfix"><a href="/euro/exchange/de/html/index.et.html">Saksamaa</a></li><li class="clearfix"><a href="/euro/exchange/gr/html/index.et.html">Kreeka</a></li><li class="clearfix"><a href="/euro/exchange/ir/html/index.et.html">Iirimaa</a></li><li class="clearfix"><a href="/euro/exchange/it/html/index.et.html">Itaalia</a></li><li class="clearfix"><a href="/euro/exchange/lv/html/index.et.html">Läti</a></li><li class="clearfix"><a href="/euro/exchange/lt/html/index.et.html">Leedu</a></li><li class="clearfix"><a href="/euro/exchange/lu/html/index.et.html">Luksemburg</a></li><li class="clearfix"><a href="/euro/exchange/mt/html/index.et.html">Malta</a></li><li class="clearfix"><a href="/euro/exchange/nl/html/index.et.html">Madalmaad</a></li><li class="clearfix"><a href="/euro/exchange/pt/html/index.et.html">Portugal</a></li><li class="clearfix"><a href="/euro/exchange/slovakia/html/index.et.html">Slovakkia</a></li><li class="clearfix"><a href="/euro/exchange/sl/html/index.et.html">Sloveenia</a></li><li class="clearfix"><a href="/euro/exchange/es/html/index.et.html">Hispaania</a></li></ul></li><li class="clearfix"><a href="/euro/visually/html/index.et.html">Teave vaegnägijatele</a></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/pub/html/index.et.html">Uurimistegevus</a><a href="#" class="subpages" title="toggle subpages for Uurimistegevus"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Uurimistegevus</div> <p>Põhjalikud uuringud ja ekspertanalüüsid, mis hõlmavad erinevaid teemasid ja valdkondi</p> <a href="/pub/html/index.en.html">EKP uuringute ülevaade</a> <hr> <div class="nav-title">Lingid</div> <ul>  <li><a href="/press/conferences/html/index.en.html">Konverentsid ja seminarid</a></li> <li><a href="/pub/economic-research/programmes/html/index.en.html">Võimalused 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location.pathname+((document.location.search.search(/\?youtubeID=[a-zA-Z0-9_-]+$/)!=-1&&document.location.search)||''))" title="Share by Email"></a></li> </ul> </div> </aside> <main >  <div class="title"> <h1>Digitaalne euro</h1> </div> <div class="in-this-section -active -compact"><div class="content-box"><h3>Ülevaade</h3><ul><li><a href="#know">Oluline teada</a></li><li><a href="#timeline">Ajakava</a></li><li><a href="#FAQ">Korduma kippuvad küsimused</a></li><li><a href="#pubs">Väljaanded</a></li><li><a href="#prof">Süvitsi</a></li><li><a href="#pod">Taskuhääling</a></li></ul></div></div> <div class="section"> <div class="quote -half-aside -smaller -stars-watermark"> <blockquote> <p>Digitaalne euro oleks keskpanga emiteeritav digiraha, mis oleks euroalal kõigile kättesaadav.</p> </blockquote> <p>Teeme koostööd euroala riikide keskpankadega digitaalse euro võimaliku kasutuselevõtu ettevalmistamiseks. Digitaalne euro oleks keskpanga digiraha, mis on samaväärne europangatähtedega, kuid elektroonilisel kujul. See täiendaks pangatähti ja münte ning pakuks maksete tegemisel veel ühe valikuvõimaluse.</p> </div> </div> <div class="jumbo-box -inner-top-arrow -top-arrow"> <div class="upper"> <div class="content-box"> <h3>Digitaalne euro</h3> <p>Digitaalsel kujul keskpangaraha, mis on kättesaadav kõigiks elektroonilisteks makseteks kauplustes, veebis või isikute vahel.</p> </div> </div> <div class="lower"> <div data-video="cNJis8BEieo" title=""> </div> </div> </div> <div class="teasers -two-columns -upper-blue -lower-light-grey -top-arrow" id="know"> <div class="upper" data-image="index/Digital Euro_Website_Splitter1_2560x800 copy.png" data-image-webp="index/Digital Euro_Website_Splitter1_2560x800 copy.webp"> <h2>Oluline teada</h2> </div> <div class="lower"> <div class="container"> <div class="box"> <div class="header"> <div class="title">Milline võiks digitaalne euro olla?</div> </div> <div class="content-box"> <p>Digitaalne euro oleks elektrooniline maksevahend, mille kasutamine oleks kõigile tasuta. Samamoodi kui sularaha saab seda turvaliselt ja privaatselt kasutada kogu euroalal. Üha enam digitaliseeritud maailmas oleks digitaalne euro järgmine samm meie ühisraha teekonnal.</p> <a href="/euro/digital_euro/features/html/index.et.html">Milline võiks digitaalne euro olla?</a> </div> </div> <div class="box"> <div class="header"> <div class="title">Miks on digitaalset eurot vaja?</div> </div> <div class="content-box"> <p>Praegu puudub Euroopas kogu euroala hõlmav digitaalne maksevõimalus ja 13 riiki 20st sõltuvad kaardimaksete tegemisel rahvusvahelistest kaardiskeemidest. Digitaalne euro oleks üleeuroopaline elektrooniline maksevahend, mis on kättesaadav ja kasutatav kõigis euroala riikides.</p> <a href="/euro/digital_euro/why-we-need-it/html/index.et.html">Miks on digitaalset eurot vaja?</a> </div> </div> <div class="box"> <div class="header"> <div class="title">Kuidas digitaalne euro toimiks?</div> </div> <div class="content-box"> <p>Digitaalset eurot hoitaks kasutaja panga loodud e-rahakotis või avalike vahendajate juures. See võimaldaks teha kõiki tavapäraseid elektroonilisi makseid kohalikus poes, internetis ja isikute vahel nii võrgus kui ka võrguväliselt.</p> <a href="/euro/digital_euro/how-it-works/html/index.et.html">Kuidas digitaalne euro toimiks?</a> </div> </div> <div class="box" id="timeline"> <div class="header"> <div class="title">Millises etapis on projekt praegu?</div> </div> <div class="content-box"> <p>Ettevalmistusetapis, mis algas 2023. aasta novembris, keskendutakse täiendavatele ettevalmistustele digitaalse euro võimalikuks väljatöötamiseks. Selles tuginetakse uurimisetapi järeldustele.</p> <a href="/euro/digital_euro/progress/html/index.et.html">Järgmised sammud</a> </div> </div> </div> </div> </div> <div class="promo-box -solid -light-blue -full"> <div class="wrapper"> <div class="box"> <div class="content-box"> <h2>Korduma kippuvad küsimused</h2> <p>Millist kasu toob digitaalne euro? Mille poolest erineks digitaalne euro stabiilsetest krüptovääringutest ja krüptovaradest? Kas digitaalse euro puhul oleks tagatud kasutajate privaatsus? Kas digitaalne euro asendaks sularaha? Kliki lingile ja loe lähemalt.</p> <div class="button-box"> <a class="button" href="/euro/digital_euro/faqs/html/ecb.faq_digital_euro.et.html">Loe korduma kippuvaid küsimusi</a> </div> </div> </div> </div> </div> <div class="promo-box -solid -blue -inverted -full" id="pubs"> <div class="wrapper"> <div class="box"> <div class="content-box"> <h2>Edusammud digitaalse euro väljatöötamisel</h2> <p>Aruandes antakse ülevaade edusammudest, mida on tehtud 2023. aasta novembris käivitatud digitaalse euro projekti ettevalmistusetapi esimeses osas.</p> <div class="button-box"> <a class="button" href="/euro/digital_euro/progress/html/index.et.html">Loe aruannet</a> </div> </div> </div> </div> </div> <div class="carousel -inverted"> <h3>VÄRSKEIMAD VÄLJAANDED DIGITAALSE EURO KOHTA</h3> <p>VAATA LÄHEMALT</p> <div class="arrow-left"></div> <div class="items"> <div class="item"><a href="/press/blog/date/2024/html/ecb.blog20241101~785751026d.en.html" > <p class="date">1 November 2024</p> <p class="title">The digital euro: what’s in it for you?</p></a></div><div class="item"><a href="/press/intro/news/html/ecb.mipnews241031.en.html" data-label="inglise keel" > <p class="date">31 October 2024</p> <p class="title">Call for expressions of interest in innovation partnerships for the digital euro </p></a></div><div class="item"><a href="/press/key/date/2024/html/ecb.sp241023~9aba07f3d3.en.pdf?cbd89063e0f27013f9f26e61e25754c1" data-label="inglise keel" > <p class="date">23 October 2024</p> <p class="title">CBDC, cross-border payment and the future of money in a deglobalized world</p></a></div><div class="item"><a href="/press/key/date/2024/html/ecb.sp240927~11ed8493a4.en.html" data-label="inglise keel" > <p class="date">27 September 2024</p> <p class="title">Monetary sovereignty in the digital age: the case for a digital euro</p></a></div><div class="item"><a href="/press/key/date/2024/html/ecb.sp240923~cccba29006.en.html" data-label="inglise keel" > <p class="date">23 September 2024</p> <p class="title">From dependency to autonomy: the role of a digital euro in the European payment landscape</p></a></div></div> <div class="arrow-right"></div> <div class="click-for-more"> <a href="/press/pubbydate/html/index.et.html?topic=Digital%20euro">KÕIK VÄLJAANDED DIGITAALSE EURO KOHTA</a> </div> </div> <div class="teasers -two-columns -upper-blue -lower-light-grey -small -top-arrow" id="prof"> <div class="upper" data-image="index/Digital Euro_Website_Splitter1_2560x800 copy.png" data-image-webp="index/Digital Euro_Website_Splitter1_2560x800 copy.webp"> <h2>Süvitsi</h2> <div class="content-box"> <a href="/euro/digital_euro/timeline/html/index.en.html" data-label="inglise keel">Lähemalt digitaalse euro projekti kohta</a><a></a> </div> </div> <div class="lower"> <div class="container"> <div class="box"> <div class="header"> <div class="title">Koostöö sidusrühmadega</div> </div> <div class="content-box"> <p>Ulatuslik koostöö turuosaliste ja seadusandjatega aitab tagada, et digitaalne euro vastab kasutajate vajadustele. Seepärast käivitame mitu algatust, et kaasata võimalikult palju sidusrühmi.</p> <a href="/euro/digital_euro/timeline/stakeholder/html/index.et.html" data-label="inglise keel">Sidusrühmade kaasamine</a> </div> </div> <div class="box"> <div class="header"> <div class="title">Dokumendid ja uuringud</div> </div> <div class="content-box"> <p>Digitaalse euro projekti toetavad põhjalikud dokumendid ja üksikasjalikud analüüsid. Dokumentide ja analüüsidega saab tutvuda veebilehe asjakohases rubriigis.</p> <a href="/euro/digital_euro/timeline/profuse/html/index.et.html" data-label="inglise keel">Süvitsi</a> </div> </div> </div> </div> </div> <div class="splitter -dark-blue -top-arrow" data-image="index/Digital Euro_Website_Splitter1_2560x800 copy.png" data-image-webp="index/Digital Euro_Website_Splitter1_2560x800 copy.webp" id="relation"> <div class="content-box"> <h3>Digitaalne euro ja...</h3> </div> </div> <div class="boxes -gradient-upper"> <div class="box"> <div data-image="index/Digital Euro_Website_privacy_Box_1_r.jpg" title="" data-image-webp="index/Digital Euro_Website_privacy_Box_1_r.webp"> </div> <div class="content-box"> <h3>... privaatsus</h3> <p>Digitaalne euro pakub inimestele ja ettevõtetele euroalal makselahenduse, mis tugineb rangeimatele isikuandmete kaitse põhimõtetele. EKP-l ja eurosüsteemil ei ole võimalik inimesi nende makseandmete põhjal identifitseerida.</p> <a href="/euro/digital_euro/features/privacy/html/index.et.html">Loe lähemalt digitaalse euro ja privaatsuse kohta</a> </div> </div> <div class="box"> <div data-image="index/Crypto_assets_circle 1000x750.jpg" title="" data-image-webp="index/Crypto_assets_circle 1000x750.webp"> </div> <div class="content-box"> <h3>... krüptovarad</h3> <p>Digitaalne euro oleks keskpanga poolt tagatud, seega ei oleks tegu krüptovaraga. Keskpanga ülesanne on säilitada raha väärtus olenemata sellest, kas tegemist on füüsilise või digitaalse rahaga. Krüptovarad ei ole tagatud ega reguleeritud ühegi keskasutuse poolt ning puudub kindlus, et neid saab vajaduse korral sularaha vastu vahetada.</p> <a href="/ecb-and-you/explainers/tell-me/html/what-is-bitcoin.et.html">Milles seisneb erinevus?</a> </div> </div> <div class="box"> <div data-image="index/Investments_circle 1000x750.jpg" title="" data-image-webp="index/Investments_circle 1000x750.webp"> </div> <div class="content-box"> <h3>... investeeringud</h3> <p>Digitaalne euro toimiks eelkõige maksevahendina, mitte finantsinvesteeringu instumendina. Analüüsime seda teemat hoolikalt, et vältida negatiivseid tagajärgi finantssektorile. Digitaalne euro oleks avalik hüve, mis tooks kasu majandusele ja ühiskonnale tervikuna.</p> <a href="/press/blog/date/2024/html/ecb.blog20240219~ccb1e8320e.et.html" data-label="inglise keel">Digitaalne euro: Pankade kartus hoiuste kaotamise pärast on alusetu</a> </div> </div> <div class="box"> <div data-image="index/PanEuropeanPayments 1000x750.jpg" title="" data-image-webp="index/PanEuropeanPayments 1000x750.webp"> </div> <div class="content-box"> <h3>... üleeuroopalised maksed</h3> <p>Oleme koostanud digiajastu põhjaliku maksestrateegia. Meie eesmärk on tagada, et maksete tegemist Euroopas toetab konkurentsivõimeline ja uuenduslik turg, mis suudab täita klientide vajadusi, säilitades samal ajal Euroopa suveräänsuse.</p> <a href="/paym/integration/retail/retail_payments_strategy/html/index.et.html" data-label="inglise keel">Meie jaemakseteenuste strateegia</a> </div> </div> </div> <div class="splitter -bottom-arrow" data-image="index/Digital Euro_Website_Splitter1_2560x800 copy.png" data-image-webp="index/Digital Euro_Website_Splitter1_2560x800 copy.webp" id="pod"> <div class="content-box"> <h3>EKP taskuhääling</h3> </div> </div> <div class="boxes -gradient-upper"> <div class="box"> <div data-image="index/20221007_ECB-Podcast_Digital-Euro_CADA_ECB_2915_box-no-logos.jpg" title="" data-image-webp="index/20221007_ECB-Podcast_Digital-Euro_CADA_ECB_2915_box-no-logos.webp"> </div> <div class="content-box"> <h3>Digitaalne euro: mis, miks, millal? (1. ja 2. osa)</h3> <p>Kas ja milleks on digitaalne euro vajalik? Milline võiks see välja näha? Ja mille poolest erineks see muudest maksevahenditest? Saatejuht Katie Ranger arutab neid küsimusi digitaalse euro eksperdi Evelien Witloxiga.</p> <a href="/press/tvservices/podcast/html/ecb.pod221015_episode41.et.html" data-label="inglise keel">Taskuhäälingu saated</a> </div> </div> <div class="box"> <div data-image="index/20231019_ECB_Podcast_Evelien_Witlox-7414_Box.jpg" title="" data-image-webp="index/20231019_ECB_Podcast_Evelien_Witlox-7414_Box.webp"> </div> <div class="content-box"> <h3>Digieurost selgelt ja arusaadavalt</h3> <p>Valmistume digitaalse euro kasutuselevõtu võimaluseks. Ehkki otsust selle kohta ei ole veel tehtud, pakub teema suurt huvi, ent samal ajal kaasneb sellega ka vääritimõistmist. Taskuhäälingu saates räägivad saatejuht Stefania Secola ja digitaalse euro projekti juht Evelien Witlox lähemalt.</p> <a href="/press/tvservices/podcast/html/ecb.pod231024_episode71.et.html" data-label="inglise keel">Kuula saadet</a> </div> </div> </div> <div class="promo-box -solid -align-left -right" data-image="index/AdobeStock_560329253_slider.png" data-image-webp="index/AdobeStock_560329253_slider.webp"> <div class="wrapper"> <div class="box"> <div class="content-box"> <h2>Hoiatame pettuste eest</h2> <p>Oleme teadlikud meilidest ja võltsitud veebilehtedest, millel kutsutakse investeerima digitaalsesse eurosse. Tegemist on pettusega. EKP ei palu kunagi inimestel teha investeeringuid ega küsi neilt raha või isikuandmeid. 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