Changes between two versions
What changed between the plenary report and the adopted text
From · plenary report· 26 Jun 2026
on digital assets – challenges for the competitiveness and integrity of the European Union’s financial system
To · adopted text· 7 Jul 2026
Digital assets – challenges for the competitiveness and integrity of the European Union’s financial system
AI:What changed, in short
Adds a paragraph expressing concern about US dollar-denominated stablecoins and their risks to EU monetary sovereignty and financial stability.7 Other changes are formal: correcting decimal separators, regulation numbers, and stray footnote markers.1234
1 change of substance · 7 formal · 0 of wording only
Written by AI from the two texts only · read the changes before relying on it · 4 Sept 2026 · Report a problem
Changes to the text itself, in document order. Cover page, citations and punctuation-only edits are left out; they are under “Every difference”.
Changes of substance · 1
Change 7 Substance
AI summary:Adds paragraph expressing concern about US dollar-denominated stablecoins and their potential impact on EU monetary sovereignty and financial stability.
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Added:20. Notes with concern the continued rapid expansion and dominance of US dollar-denominated stablecoins, which could weaken the EU’s monetary sovereignty, increase financial stability risks, impair the transmission of monetary policy and reinforce external dependencies in payments;
7 formal changes: legal basis, citations, references, corrections
Change 1 Formal
AI summary:Replaces decimal point with comma in percentage figure.
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Changed:A. whereas, according to the ECB’s November 2024 Consumer Expectations Survey, an average of 9.79,7 % of survey respondents or someone in their household owned crypto-assets, of which 54 % reported holdings with a value of below EUR 1 000 and 91 % reported holdings with a value of below EUR 20 000;
Change 2 Formal
AI summary:Replaces decimal point with comma in percentage figure.
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Changed:B. whereas the total global market capitalisation of crypto-assets stood at EUR 2.03 trillion on 10 February 2026 with a market share of 12.912,9 %, or EUR 261 billion, for stablecoins, according to private data sources; whereas, according to ECB Working Paper No 3199, market expectations indicate robust growth in stablecoin issuance;
Change 3 Formal
AI summary:Replaces decimal point with comma in number.
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Changed:D. whereas in 2025 the global crypto workforce stood at over 1.61,6 million professionals, of which the EU hosts a large but declining share, on the basis of private data sources;
Change 4 Formal
AI summary:Corrects regulation number from 2022/8583 to 2022/858.
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Changed:E. whereas Article 2(1) of Regulation (EU) 2022/8583on2022/858on the digital ledger technology pilot regime defines ‘distributed ledger technology’ or ‘DLT’ as ‘a technology that enables the operation and use of distributed ledgers’; whereas Article 2(2) defines a ‘distributed ledger’ as an ‘information repository that keeps records of transactions and that is shared across, and synchronised between, a set of DLT network nodes using a consensus mechanism’;
Change 5 Formal
AI summary:Removes stray footnote number after 'crypto-assets'.
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Changed:F. whereas Regulation (EU) 2023/1114 on markets in crypto-assets4crypto-assets (MiCAR) establishes a harmonised framework in the EU for crypto-assets by distinguishing between three main categories, namely electronic money tokens, which seek to stabilise their value by referencing a single official currency, asset-referenced tokens, which aim to maintain a stable value by referencing another value or right or a combination thereof, including one or more official currencies, and other crypto-assets, meaning a digital representation of a value or of a right that is able to be transferred and stored electronically using a distributed ledger or similar technology, and do not fall within the other categories;
Change 6 Formal
AI summary:Removes stray footnote number after 'Regulation'.
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Changed:5. Acknowledges that the EU was among the first jurisdictions to adopt and implement a dedicated regime for crypto-assets, with MiCAR, and to apply DLT technology in the financial sector; calls on the Commission, in close cooperation with the EBA, ESMA, the Authority for Anti-Money Laundering and Countering the Financing of Terrorism (AMLA) and national competent authorities, to ensure the effective enforcement of MiCAR; calls on the Member States to refrain from introducing additional requirements and liabilities beyond the frameworks of MiCAR or the Transfer of Funds Regulation5;Regulation;
Change 8 Formal
AI summary:Renumbers paragraph and removes stray footnote numbers after 'directive' and 'regulation'.
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Changed:22.23. Welcomes the provisional agreement on the proposals for a directive6directive and regulation7regulation on payment services and the simplified authorisation solution for crypto asset service providers already authorised under MiCAR to avoid unnecessary regulatory overlap, which would be subject to a streamlined procedure, while keeping appropriate risk controls and providing only services specified in the application;