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Conference on Money Markets: Welcome Address by Fabio PanettaA digital euro could be launched in three or four years but banknotes will be available as long as there is demand for them, Fabio Panetta. Fabio Panetta. January 3 Markets InsightCryptocurrencies � ECB's Panetta: Caveat emptor does not apply to crypto � Trading in unbacked digital assets. Current tax treatment of crypto assets is 'minimal,' according to Fabio Panetta. Facing a two-front war, the ECB won't ride to the rescue. April 8,