TEXTO DE APOIO (clique para abrir / fechar)
Para responder Ă s questĂ”es de nĂșmeros 11 a 15, considere o texto a seguir.
Text CB1A2
Currently, the Digital Euro has not been launched — though there are signs that a launch may be coming sooner rather than later. By October 2025, the ECB (European Central Bank) has indicated a second phase of the preparation for the Digital Euro. By then, the ECB will have prepared an outreach plan, procurement standards, and technology providers.
The Digital Euro has potential downsides, many of them echoed in the other launches of central bank digital currencies. For example, the central bank will become a technology company focused on procurement with central points of failure. This was a breeding ground for corruption for the bureaucrat fortunate enough to make these technical choices in China.
While the Digital Euro is slated to “coexist” with cash, this also comes when EU (European Union) nations are voting on ending end-to-end encryption (a critical digital privacy tool) and have started to restrict cash with limits being placed on how much you can spend in cash to accelerate its slow demise.
User privacy is said to be the ECB’s “chief concern” as it has been designing the central bank’s digital currency. Certainly, the ECB is aware of public perception that has negative surveillance, control, and privacy implications in mind. The ECB has been at pains to say that the Digital Euro will “coexist” with cash and that unlike the e-CNY (China’s central bank digital coin) it will not be tied to a “social credit” score or place limits on how money is spent.
A big part of the ECB’s drive towards the Digital Euro is to compete and pry Europeans away from Bitcoin, cryptocurrencies, and “stablecoins”.
Central bank digital currencies are a direct liability of the central bank. Since the central bank has the power to issue currency, this means that the central bank can essentially create “digital euros” if it wishes to. The architecture and data within a central bank digital currency are usually built completely by the central bank supported by private vendors of its choice. In China, the central bank has turned away from a distributed ledger technology to a centralized data store, in which the technical details are pretty scant. Hence, the central bank controls everything, and the system has no external access.
DisponĂvel em: www.forbes.com/sites
QUESTĂO
According to text CB1A2, although the ECB has stated that the Digital Euro is going to “coexist” with cash,
EU nations voting may delay the implementation of the new digital currency.
private solutions for managing currencies benefit the use of cash.
data encryption will prevent this coexistence.
imposed limits may hasten the decline of cash usage in EU nations.
the downsides of the digital euro enable the longevity of cash.
đ Gabarito (clique para revelar)
đ§ 1️⃣ Leitura orientada
A questĂŁo exige leitura atenta do trecho que contrapĂ”e o discurso oficial de “coexistĂȘncia” com medidas prĂĄticas adotadas pelos paĂses da UniĂŁo Europeia.
đ 2️⃣ AnĂĄlise tĂ©cnica das alternativas
(A) ❌
Incorreta. O texto não afirma atraso no lançamento do Digital Euro por causa de votaçÔes.
(B) ❌
Incorreta. NĂŁo hĂĄ menção a soluçÔes privadas favorecendo o uso de dinheiro fĂsico.
(C) ❌
Incorreta. A restrição citada não é a criptografia, mas o uso de dinheiro em espécie.
(D) ✅
Correta. O texto afirma que, apesar do discurso de coexistĂȘncia,
limites ao uso de dinheiro em espécie estão sendo impostos,
o que pode acelerar o desaparecimento do cash.
(E) ❌
Incorreta. As desvantagens do Digital Euro nĂŁo fortalecem a permanĂȘncia do dinheiro fĂsico.
⚠️ 3️⃣ Armadilhas clĂĄssicas da CESPE/CEBRASPE
A banca explora a contradição entre discurso institucional e medidas prĂĄticas. Muitos candidatos ficam presos Ă palavra “coexist” e ignoram a consequĂȘncia descrita no perĂodo seguinte.
đ§ 4️⃣ Resumo B3GE™ Master
✔ Discurso oficial: coexistĂȘncia com cash.
✔ PrĂĄtica: restriçÔes ao uso de dinheiro fĂsico.
✔ Efeito: aceleração do declĂnio do cash.
đ Gabarito confirmado: (D)