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Abstract(s)
O presente estudo tem por objeto a moeda eletrónica, vulgarmente designada “emoney”, enquanto fenómeno económico e jurídico. De uma perspetiva económica, o “emoney” representa uma nova espécie monetária, alternativa à moeda física (notas e moedas) e à moeda bancária (transferências escriturais de saldos bancários). Apesar da sua juventude, o “e-money” converteu-se já num popular meio de pagamento, especialmente no âmbito dos micropagamentos, comércio de retalho e comércio eletrónico (v.g., “Pay Pal”, “Worldpay”, “Revolut”, “Alipay”, “E-Gold”, “Mondex”, “Visa Cash”, “Google Wallets”, “Digicash”, etc.). De uma perspetiva jurídica, o “e-money” tem vindo a ser progressivamente objeto de consagração e regulação jurídicas um pouco em todo o mundo, destacando-se entre nós o “Regime Jurídico dos Serviços de Pagamento e da Moeda Eletrónica”, aprovado pelo Decreto-Lei n.º 91/2018, de 12 de novembro. Entre outros aspetos do regime legal que serão uma análise introdutória, incluem-se a noção jurídica de “e-money”, o seu estatuto jusmonetário, a sua emissão, utilização e circulação e, finalmente, os titulares de moeda eletrónica.
The present paper aims at analyzing electronic money, or e-money, both as an economic and a legal phenomenon. From an economic perspective, electronic money is a new type of money, alternative to the traditional physical money (notes and coins) and bank money (transfers between bank accounts). In spite of its youth, e-money has already become a popular instrument of payment, especially in the area of micropayment, retail market and ecommerce (e.g., “Pay Pal”, “Worldpay”, “Revolut”, “Alipay”, “E-Gold”, “Mondex”, “Visa Cash”, “Google Wallets”, “Digicash”, etc.). From a juridical perspective, e-money was gradually regulated by legislators worldwide, including Portugal, with the so-called “Legal Regime on Payment Services and Electronic Money” of 2018. Among other aspects of the said regime, a particular attention is given to the legal notion of e-money and to its legal status as an alternative type of money, as well as to the emission, circulation, and users of e-money.
The present paper aims at analyzing electronic money, or e-money, both as an economic and a legal phenomenon. From an economic perspective, electronic money is a new type of money, alternative to the traditional physical money (notes and coins) and bank money (transfers between bank accounts). In spite of its youth, e-money has already become a popular instrument of payment, especially in the area of micropayment, retail market and ecommerce (e.g., “Pay Pal”, “Worldpay”, “Revolut”, “Alipay”, “E-Gold”, “Mondex”, “Visa Cash”, “Google Wallets”, “Digicash”, etc.). From a juridical perspective, e-money was gradually regulated by legislators worldwide, including Portugal, with the so-called “Legal Regime on Payment Services and Electronic Money” of 2018. Among other aspects of the said regime, a particular attention is given to the legal notion of e-money and to its legal status as an alternative type of money, as well as to the emission, circulation, and users of e-money.
Description
Keywords
Moeda Dinheiro Moeda Eletrónica Pagamento Obrigações pecuniárias Money Cash E-money E-cash Payment Monetary obligations