If you’re in West or Central Africa, the euro affects you more than you might think: the CFA franc is pegged to it at a fixed rate (1 € = 655.957 CFA francs). So when the European Central Bank (ECB) finally sets out a timeline for the digital euro, it’s worth understanding what’s involved. On 17 October 2026, speaking before the IMF, Christine Lagarde was clear: a 12-month pilot in the second half of 2027, provided Europe passes the law by the end of 2026. We’ll explain what it is, what it isn’t, and what it could mean for us.