The EU is addressing its reliance on foreign payment systems through a dual strategy involving the digital euro, a central bank digital currency, and private initiatives like Wero. The ECB aims to issue a stable digital currency, but legislative delays hinder progress. Experts express concerns about the narrative surrounding payment systems and emphasize the need for effective solutions. The private sector is advancing interoperability, but challenges remain for a successful European payment alternative. The digital euro is seen as necessary but not a comprehensive solution.