1

European citizens should be able to earn the yield generated on their MiCA-regulated stablecoins. Stablecoin issuers earn interest for holding the backing assets of stablecoins but it is illegal to pass these rewards to stablecoin holders.

The EU should also prioritise the growth of euro-denominated stablecoins to support retail and corporate payments, remittances and capital markets.

Example: Martin in Vienna holds €500 in a regulated euro stablecoin; when reserves earn interest, he gets his fair share, just like a savings product.

2

The EU wants to create a Savings and Investment Union (SIU), but has recommended that Member States exclude most crypto assets from planned Savings and Investment Accounts (SIAs). Citizens should be able to allocate a limited share of their long-term savings into regulated crypto products, under clear caps, risk labels and consumer protections, just as with other asset classes. This would be good for diversification and performance, increase young investor participation, and align European rules with other financial hubs.

Example: A 27-year-old teacher in Lille allocates up to 1% of her Plan d'Épargne en Actions (PEA) to a diversified equity basket, which is clearly explained, easy to change and gives her exposure to crypto’s returns.

3

The ability for Europeans to move crypto assets regulated accounts to others’ self-hosted wallets is a cornerstone of open blockchain innovation. These transfers enable individuals and businesses to access decentralised applications, digital commerce, and global financial networks directly. Compliance with measures such as the Travel Rule is important, but rules should not restrict legitimate transfers from user accounts to third-party wallets, as this would effectively limit participation in the broader digital economy.

Example: Clara in Lisbon converts EUR to EURC on a regulated platform to pay a freelance designer in Kraków, sending the payment directly to the designer’s self-hosted wallet on a Saturday night — instantly, without waiting for Monday banking hours.

4

The Commission should lead a public sector blockchain strategy with Member States to pilot real-world use cases in land registries, healthcare, sustainability tracking and procurement. This will speed up efficiency in public services, while delivering trust and transparency. Funding should be tied to cost-benefit analysis, with successful pilots scaled across the EU.

Example: A property transfer in Valencia updates the land registry on-chain; buyers, notaries and the city see the same tamper-evident record, cutting weeks of paperwork to minutes.

5

Send a clear political signal that the EU is a welcoming hub for crypto, Web3 and blockchain innovation. Create a joint industry-government task force to drive collaboration, identify growth opportunities, and implement strategies that position Europe as a global leader in this technological shift.

Example: The EU Commission launches a 180-day EU Blockchain Task Force should bring together government, Member States, academia, and industry, mirroring the coordinated approach taken on AI with the AI Continent and Apply AI Strategy, to design a comprehensive European blockchain strategy. Building on the success of MiCA and the European Blockchain Services Infrastructure, it would develop concrete proposals for cross-border adoption, interoperability, and privacy-preserving innovation.

6

The EU should recognise that blockchain and decentralised networks can enhance data privacy and user control, not undermine it. The EU’s digital policy, including the GDPR, should be interpreted and updated to embrace decentralised architectures that align with the Union’s principles of data minimisation and user empowerment. The Commission and the European Data Protection Board should issue joint guidance on privacy-preserving cryptography, clarifying how blockchain systems can comply with GDPR while reducing risks of centralised data leaks. This will encourage innovation while keeping Europe at the forefront of human-centric technology design.

Example: A decentralised identity wallet lets citizens across Europe prove their age or residency using zero-knowledge credentials issued by their governments. Online services can confirm “over 18” or “EU resident” without collecting names, birth dates, or ID numbers. This protects citizens’ privacy while meeting regulatory and platform compliance needs.