Igor's call, in full

A central bank digital currency is not an upgrade to your wallet. It is instrumentation of it. I forecast that by 2029, the digital euro turns your money into programmable, surveillable, conditional credit, with a pilot in 2027 and full rollout in 2029, conditional on EU legislation passing in 2026. Programmable money is conditional money. It can be made conditional on your tax compliance, your political behavior, and your carbon score. The ECB claims privacy; the architecture says otherwise. This is the same control logic as China's social credit system, rebuilt in Europe with different branding: bind identity to the wallet, bind the wallet to money, and move the switchboard from parliament to the payment endpoint. Never accept a switch you can be turned off from.

Adjacent calls

Five major regulations stack on top of each other in under 18 months, each expanding brussels' authority, none put to a citizen vote.On trackEurope stops taxing you only while you stay and starts taxing you for leaving. Within 24 months, at least 3 more eu states adopt or widen exit taxes.On trackBy 2027, the gulf and the US absorb the bulk of europe's departing founders and family offices, and the capital does not return even if the taxes reverse.Early call

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