XIXOIO a.s. submits its application to the ECB’s digital euro innovation platform

Czech company XIXOIO a.s. submitted its application to the European Central Bank’s digital euro innovation platform on 4 November 2026 at 13:25 CET. It has published its own demonstration of how a small business can document a conditional payment.

In the example, a logistics company buys equipment. Readers can follow who confirms receipt, what record this creates and how the accountant can tell whether the payment went through.

The demonstration also explores a late confirmation. The result stays open while the system checks the original instruction, so the same amount is not sent twice.

The example uses fictional data and simulates all payments. The application covers Experimentation — Conditional payments and Exploration — AI in payments, requesting a Presenter role. Four documents, version 4.2 dated 4 November 2026, were submitted. The ECB decides which applicants participate. Submission does not imply selection or ECB endorsement.