Talks between the European Parliament, European governments and the European Commission on rules for a digital euro begin ?on Monday, three years after the legislation was first proposed.

The negotiations aim to produce a final law by the end of the year, paving the way for the European Central Bank to formally approve a digital euro on Jan. 1, 2027 ¡ª?25 years after euro notes and coins entered circulation.

The digital currency would then likely be launched in 2029, following ?a pilot phase due to start next year involving around 40 banks and payment companies.