The European Digital Identity Wallet (EUDI wallet) is a mobile identity wallet that lets citizens, residents, and businesses prove who they are and share verified attributes across the EU. It is defined in Regulation (EU) 2024/1183, which updates the eIDAS framework to create a common European Digital Identity.
Every Member State must provide at least one EUDI wallet and recognise those issued by other Member States. The aim is to give people and organisations a secure, privacy-respecting way to identify themselves and sign or seal documents when accessing public and private services online and offline.
Existing eID schemes are often national, fragmented, and hard to reuse across borders. The EUDI wallet introduces:
From the moment national wallets go live, banks, telecoms, utilities, transport providers, and large online platforms will need to support wallet-based identification and authentication. For many of them, this becomes a legal obligation one year after wallets are made available, especially where strong customer authentication is required.
Since 2023, several large-scale pilots under the Digital Europe Programme have tested EUDI wallet use cases, including travel, education, payments, social security, and digital driving licences.
Trusted issuers such as governments, universities, banks, and regulators create and sign verifiable credentials and load them into the user’s wallet. Examples include identity data, licences, diplomas, proof of residence, and authorisations for acting on behalf of a company.
The wallet securely stores identity attributes on the user’s device, or linked secure elements, and gives them full control over what is shared. Data is signed and verifiable so that relying parties can trust its origin and integrity without calling a central database each time.
Instead of exposing full identity records, the wallet supports selective disclosure. For example, a user can prove they are over 18 without sharing their full date of birth or address. This aligns with GDPR principles and reduces the risk of over-collection of data.
Banks and fintechs can use the EUDI wallet to perform high-assurance KYC checks quickly. Verified identity and attribute data from the wallet can streamline onboarding, lower fraud risk, and support AML and PSD2 / PSD3 requirements.
Citizens will be able to access public e-services in any Member State using the same wallet, whether they are applying for benefits, filing tax forms, or registering for healthcare. This builds on the original cross-border goals of eIDAS and reduces fragmentation.
The wallet supports qualified electronic signatures and seals, making it possible to sign contracts and submit formal applications with full legal effect. Authorisation credentials allow users to sign on behalf of a company or organisation.
Use cases include digital travel credentials, digital driving licences, and identity checks at borders. The wallet can hold travel-related documents that simplify verification while preserving privacy.
Online platforms can request proof of age or specific attributes (for example, professional status) without collecting full identity data, which helps reduce risk and align with future online safety rules.
Under eIDAS 2.0, very large online platforms and other specified services must accept the EUDI wallet as a means of strong authentication when users choose it. This is a major shift from the voluntary model under the original eIDAS regulation.
The updated framework sets stricter rules for wallet certification, cryptographic security, and interoperability between national implementations. Implementing acts define technical specifications, interfaces, and assurance levels that every wallet must meet.
eIDAS 2.0 clarifies responsibilities and liability for wallet providers, credential issuers, and relying parties. Businesses that rely on wallet credentials will be expected to follow agreed verification procedures and keep evidence of how identity checks were performed.
The wallet uses verifiable credentials based on W3C standards. These are digitally signed data structures that can be verified without contacting the issuer, as long as the verifier trusts the signing keys and trust framework.
Qualified trust service providers issue certificates used for signatures, seals, and timestamping. The EUDI wallet integrates with these trust services so that signatures created from the wallet can meet the legal standard of a handwritten signature, where required.
The architecture follows a three-party model: issuers create and sign credentials, users store them in the wallet, and verifiers check them. Trust lists and governance frameworks define who is allowed to issue which credentials.
Wallets must meet high security requirements, including secure storage, strong authentication, and protection against tampering. Some implementations will use trusted execution environments or secure elements to protect keys and sensitive operations.
Banks, telecoms, insurers, and other regulated sectors will be able to rely on wallet-based credentials for KYC, AML, and risk checks. This will reduce manual document handling but requires investment in integration and process changes.
Relying parties must implement interfaces to request, receive, and verify wallet credentials. This means supporting relevant protocols, updating access management systems, and aligning data models with credential schemas.
Typical workflows will involve API calls to trigger credential requests, handle callbacks from the wallet, and map verified attributes into existing customer or user databases. Integration patterns will vary by sector but will follow the same core principles.
Customer journeys will need to be re-designed around “use wallet to log in” and “approve request in wallet” moments. Done well, this can cut friction and raise trust. Done poorly, it can confuse users and damage adoption.
Most public discussion focuses on wallets for individuals, but companies also need a standard way to prove their legal identity online. That includes registrations, licences, and who is authorised to act on behalf of the organisation.
This is where the European Business Wallet (EUBW) comes in. EUBW is a digital identity wallet for businesses that allows them to identify themselves online, exchange verifiable information, and manage documentation securely across the EU. It is a natural B2B counterpart to the EUDI wallet and underpins trusted business interactions.
Partisia explains how EUBW links business identity to the Digital Product Passport and other credentials in its article on how EUBW connects business identity with the Digital Product Passport .
With EUBW, companies can hold credentials such as registry extracts, licences, ESG disclosures, and authorisation roles. These can be combined with EUDI wallets used by staff to prove both “who I am” and “who I represent” in one flow.
What's inside?
A Technical Solution
Practical use cases for a Business Wallet
The European Business Wallet (EUBW)
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Under the Ecodesign for Sustainable Products Regulation (ESPR), many products will need a Digital Product Passport (DPP) that carries lifecycle, sustainability, and origin data. The EUDI wallet and EUBW provide the identity layer that ties product data back to verified business and issuer credentials.
Partisia describes this chain in more detail in its content on EUBW and DPP, including real-world examples such as the coffee supply-chain use case.
When EUDI, EUBW, and DPP work together, every actor in the supply chain can authenticate themselves and contribute signed data to a product’s passport. This supports circular-economy goals and upcoming reporting requirements. Explore Partisia solutions in supply chain.
For financial institutions, the EUDI wallet is a new high-assurance source for identity and attribute data. Combined with privacy-preserving analytics, it can power better AML monitoring and customer due diligence across borders. Read more on fraud detection and solutions in anti-money laundering.
Adoption will depend on user experience, trust, and clear communication. If wallets are hard to use or poorly integrated, citizens and businesses may fall back to legacy methods.
While eIDAS 2.0 sets a common standard, national differences in infrastructure and implementation pace can create uneven experiences and technical gaps.
Questions remain around wallet recovery, device loss, and future attack vectors. Wallet providers will need robust processes for revocation, re-issuance, and fraud response without undermining privacy.
Organisations should review their identity and access management stack, API gateways, consent flows, and logging to ensure they can integrate wallet-based authentication and attribute verification.
Partisia provides privacy-preserving data collaboration based on Multi-Party Computation (MPC) and Confidential Computing. This allows institutions to verify and use identity attributes from EUDI wallets without centralising or exposing raw personal data.
Partisia’s technology supports the European Business Wallet concept by enabling secure issuance and verification of business credentials, including those linked to DPP, ESG reporting, and regulatory filings.
Issuers and regulators can use Partisia to check, aggregate, and analyse credential data in encrypted form, which helps them meet GDPR, DORA, and sector-specific rules while using EUDI as a trust anchor.
“The EUDI wallet is more than another app. It is the missing trust layer for Europe’s digital economy. The real breakthrough comes when you combine it with privacy-preserving computation, so organisations can rely on high-assurance credentials without ever losing control of their data.”
– Mark Medum Bundgaard, Chief Product Officer, Partisia
By 2026, the EUDI wallet will sit at the centre of Europe’s digital identity landscape. It will change how people log in, sign, and prove who they are, and how businesses onboard customers, comply with regulations, and run cross-border services. Organisations that prepare now, and that combine the wallet with privacy-preserving technologies such as those provided by Partisia, will be best placed to turn compliance into an advantage rather than a constraint.