The European Central Bank's proposed €100 limit on offline digital euro payments aims to balance usability with financial stability and AML/CFT compliance. While designed to mimic cash-like privacy and enable small transactions without internet access, this cap may deter adoption for larger purchases, potentially limiting the digital euro’s appeal. Users accustomed to higher-value digital payments via cards or apps might find the restriction inconvenient, favoring existing solutions. However, the limit could encourage frequent, low-value transactions, aligning with the ECB’s goal of complementing cash. To enhance usage, mechanisms like linking wallets to bank accounts for exceeding limits could help. The ECB must carefully calibrate this threshold to ensure the digital euro remains competitive and practical in a digital payment landscape.