B9-2026-06RegulacjeOpublikowano: 2026-08-13Zaktualizowano: 2026-08-1325 min czytania
What the ECB is actually building, what the legislation fixes in law, and what it means for your bank account, your privacy and the crypto market
- The digital euro is a claim on the ECB, not a bank deposit and not an investment: it bears no interest and carries no price risk.
- The holding limit plus the waterfall mechanism are the heart of the design; without them a bank run could unfold digitally within hours.
- Offline payment is the only component with a privacy level the ECB compares to cash; online payment explicitly is not.
- Basic use must be free for individuals; merchants pay a fee for which the regulation foresees a cap.
B9-2026-05RynekOpublikowano: 2026-08-04Zaktualizowano: 2026-08-1125 min czytania
Liquidity, volatility and who is actually buying since regulated funds stepped in
- Order-book depth around the mid price clearly increased during US trading hours.
- Volatility concentrates more strongly around the US market open and close.
- Correlation with broad equity indices is structurally higher than in the preceding period.
- Weekend trading became relatively thinner: large parties trade when their infrastructure is open.
B9-2026-04TechnologiaOpublikowano: 2026-07-15Zaktualizowano: 2026-08-0524 min czytania
What goes wrong for retail holders managing their own keys, and which setup prevents it
- Seven of ten documented losses stem from backup failures, not attacks.
- Those who test their recovery procedure once almost never lose access in our dataset.
- Storing a recovery phrase digitally, including in a password manager, is the biggest risk factor in theft cases.
- In half of the death cases, heirs could not access the assets because no instructions existed.
B9-2026-03BankiOpublikowano: 2026-06-24Zaktualizowano: 2026-07-3025 min czytania
How large banks in the Benelux, Germany and Scandinavia shifted their stance on crypto-assets
- Nearly all banks studied allow payments to licensed platforms, but half still apply informal limits or extra questions.
- Custody services for institutional clients are growing faster than retail offerings.
- The difference between banks is larger than the difference between countries.
- Recurring payments to the same licensed counterparty rarely trigger blocks; one-off large amounts still do.
B9-2026-02RegulacjeOpublikowano: 2026-05-06Zaktualizowano: 2026-07-2027 min czytania
What the European crypto regulation actually changed for users, issuers and banks
- Consolidation is the clearest effect: small providers without the capital for a licence disappeared or were acquired.
- Euro stablecoins gained share within the EU but remain marginal globally against dollar tokens.
- Passporting works, but national supervisors interpret advertising rules and complaint handling differently.
- Segregation of client assets is the most concrete gain for users; there is no guarantee fund.
B9-2026-01RynekOpublikowano: 2026-03-18Zaktualizowano: 2026-08-0126 min czytania
Fees, spreads and hidden costs at eight platforms used by Belgian and Dutch retail investors
- The gap between the cheapest and most expensive route is roughly twenty euro on 1,000 euro, or 2% of the amount invested.
- At six of eight platforms the spread exceeds the visible fee for amounts below 250 euro.
- The pro interface of the same platform is on average 78% cheaper than the simple buy button.
- Withdrawal fees to a self-custody wallet range from zero to five euro and weigh heavily on monthly buys under 100 euro.
Badania Block #9 to informacja, nie porada inwestycyjna. Dane obowiązują na podaną datę.
