"Crypto acceptance is extremely limited: the ECB reports 0.2% of euro area businesses accepting crypto for online purchases. Cash still leads at physical locations, accepted by 92% of businesses with point-of-sale outlets. Mobile payments are the main growth area  or in-person transactions, rising to 68% acceptance in 2026 from 36% in 2024. Crypto and stablecoins show little traction at physical points of sale, staying below 1% in both 2024 and 2026."