ECB selects Fluency for Digital Euro trials on programmable and offline payments

By Gloria Methri

The European Central Bank (ECB) has selected Fluency, a London-based deep-tech firm, as an Innovation Technology Pioneer in the Digital Euro’s Innovation Phase. This appointment recognises Fluency’s cutting-edge work in programmable payments and offline digital currency infrastructure.

As part of the ECB initiative, Fluency will lead experimentation in conditional payments, enabling digital euros to move only when specific conditions are met. This breakthrough functionality paves the way for more secure, automated, and rules-based financial services.

“We are proud to support the ECB in shaping a digital euro that is programmable, inclusive, and sovereign by design,” said Inga Mullins, CEO of Fluency. “Fluency’s architecture is built to connect digital money with real-world usability — whether through offline execution or intelligent conditional logic.”

Fluency will also contribute its patented software-based offline payment solution, which allows digital euro transactions to take place without internet connectivity or dedicated hardware. This capability is designed to ensure broader accessibility and operational resilience, especially in underserved or infrastructure-limited environments.

The initiative is powered by Fluency’s proprietary Aureum platform, which supports atomic settlement, real-time interoperability, and programmable transfers across central bank digital currencies (CBDCs), RTGS systems, stablecoins, and tokenised assets.

This milestone follows Fluency’s recent selection to the AI Consortium led by the Bank of England and the Financial Conduct Authority, further strengthening its role in shaping Europe’s next-generation financial infrastructure.