UniCredit practitioner maps the Digital Euro's limits with Open Banking

# UniCredit practitioner maps the Digital Euro's limits with Open Banking

> Evidence tier: B2
> Evidence type: Independent payments-media interview with a UniCredit open-banking product manager
> Source: [The Paypers](https://thepaypers.com/regulations/interviews/open-banking-and-the-digital-euro-how-far-does-the-shared-standards-layer-actually-reach)
> Published: 2026-08-06
> Captured: 2026-08-14T04:03:04.636Z

## Source summary

In a The Paypers interview, UniCredit open-banking product manager Ajay Krishna says reuse of ISO 20022, Berlin Group API patterns, nexo and CPACE can reduce work at the online API, authentication and acceptance layers. He argues that privacy, offline authorization, settlement, holding limits, funding flows, liability and third-party access remain separate or unresolved, so banks should reuse a common gateway and identity experience while keeping consent, legal authority and data domains distinct by rail.

## Why it matters

The interview gives European payment operators a concrete architecture warning: familiar message standards do not make commercial-bank accounts and central-bank digital money one interchangeable rail. Funding links, settlement finality, consent, data separation, third-party rights and liability affect whether Open Banking infrastructure can support a Digital Euro without duplicating systems. The article reflects one practitioner's interpretation of proposals and draft operating models—not ECB or legislative guidance—and final access rules, implementation specifications, timing and adoption remain uncertain.

## Key numbers

No independently checkable key number was extracted from this report.

## Topics and entities

- Industry lane: Payment infrastructure
- Entities: UniCredit / Ajay Krishna
- Payment infrastructure
- Cross-border payments

## Evidence and credibility note

Independent The Paypers interview with a UniCredit practitioner. The architecture analysis is attributable to the interviewee; legislative positions, ECB specifications and pilot details remain evolving and should be verified against final primary documents before implementation.

Date evidence: Automatically verified from JSON-LD datePublished: 2026-08-06T05:39:35+00:00

## First-party corroboration

No directly corresponding A1 company announcement is currently linked.

## Original-source traceback

[Open the original The Paypers report](https://thepaypers.com/regulations/interviews/open-banking-and-the-digital-euro-how-far-does-the-shared-standards-layer-actually-reach)

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