The European Union must adopt decentralized finances for its security, with a digital euro and regulated private money, avoiding dollar dominance of stablecoins. This promises fast and borderless payments, but requires a regulatory framework that preserves trust, integrating DeFi principles. The introduction of stablecoins, deposit tokenization, and modern CBDCs will modernize and speed up the EU’s payment system, avoiding risks such as the dollarization and technological dependence.