Europe opts for the digital euro over stablecoins. Alipay has allowed AI bots to process purchases. Investors are shifting from gold to Bitcoin. Revolut plans to return to the Ukrainian market
The ECB has abandoned the idea of European stablecoins
European Central Bank President Christine Lagarde stated that Europe does not need its own private stablecoins (cryptocurrencies pegged to traditional currencies) to protect the financial system. According to her, such assets pose more risks than benefits:
- Volatility. For example, the USDC stablecoin temporarily lost its peg to the dollar in 2023.
- Risk to banks. If people start moving money en masse from deposits into stablecoins, financial institutions will find it harder to lend to the economy and control inflation.
Lagarde believes that Europe does not necessarily need to copy the US model. Instead of “stablecoins,” the ECB plans to focus on the digital euro and its own infrastructure. Two projects are currently under development:
- Pontes — will enable blockchain-based settlements in digital currency.
- Appia — a program for asset tokenization. By 2028, Europe plans to create a unified system for this purpose.
Lagarde noted that the availability of a digital currency could reduce Europeans’ interest in foreign stablecoins.
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Alipay has allowed AI bots to pay for purchases on behalf of users
The Chinese payment platform Alipay has introduced a new system called AI Pay, which enables artificial intelligence to pay for goods and services on behalf of a person.
To use it, simply link AI Pay to your Alipay account, verify your identity, and activate the feature. After that, AI agents will be able to make payments independently. For example, a user can give the command “renew subscription,” after which AI will generate an order and prompt the user to confirm payment.
All operations go through several layers of security. Each transaction is made with the account owner’s permission and requires separate confirmation. The system monitors suspicious activity and potential risks in real time.
The company stated that it aims to transform Alipay from a standard digital wallet into a full-fledged ecosystem for AI services. Today, the platform brings together over 1 billion users and more than 80 million merchants.
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JPMorgan: Investors have begun shifting from gold to Bitcoin
JPMorgan analysts stated that investors are increasingly investing in Bitcoin instead of gold amid geopolitical tensions and inflationary risks.
Inflows into spot Bitcoin ETFs (exchange-traded funds) have been growing for the third consecutive month. From April 30 to May 6 alone, investors spent approximately $1.69 billion on them.
Interest in cryptocurrency is growing among both retail investors and major players who are increasing their investments through futures (contracts to purchase an asset in the future) and other platforms.
About 32% of institutional investors have already invested in Bitcoin. Ethereum ranks second in popularity with a 25% share. Solana and DeFi (decentralized finance) projects are also in demand.
As of May 11, 2026, Bitcoin is trading at around $80,730, and Ethereum at $2,327.
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Revolut announced plans to return to the Ukrainian market
Revolut representative has stated that the neobank remains interested in the Ukrainian market, although it had previously ceased serving local customers due to the National Bank’s stance. This was reported by Viktor Stopa, Head of European Development.
According to him, there is no conflict between Revolut and the NBU. The company continues to discuss with the regulator the possibility of a full-scale launch of services in the country. However, no specific timeline for the return has been announced yet.
Revolut explained that it typically enters new markets in stages: first launching a limited version of the product, then analyzing demand, and only after that deciding whether to expand further or pause temporarily to refine the service.
The company also reported that it is currently focusing on business localization — adapting to the requirements of specific countries. In particular, Revolut is actively expanding its presence in Europe, investing in new licenses, and collaborating with local payment systems.
Revolut emphasizes that lengthy negotiations with regulators are standard practice for the company’s international expansion. For example, the fintech service spent more than three years obtaining a banking license in the UK.
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