Skip to content

Ecosystem Vision & Fundamentals

Unlocking Value Creation: How the EUDI Wallet Ecosystem Benefits Public and Private Organizations

This chapter aims to provide an overview of the value proposition of the EUDI Wallet ecosystem for organizations. The EUDI Wallet ecosystem offers significant value for both public and private organizations by providing a secure, interoperable and user-centric framework to utilize the standardized EUDI wallet features. By integrating the EUDI Wallet into their processes, organizations can drive efficiency, reduce fraud, and improve user experience, all while ensuring compliance with the eIDAS 2.0 regulation. The EUDI Wallet ecosystem provides the following value for public and private organizations in roles where they provide and consume attestations through the EUDI wallet ecosystem:

Organizations that act as relying parties and consume attestations

Better customer satisfaction

  • Higher conversion rates facilitate market reach through optimized UX
  • Streamline the onboarding process for customers in a recognizable way by using the wallet for multiple processes
  • Digitized processes simplify access to goods and services

Electronic attestations Incentivize digitization of business processes

  • Digitize the full business process: enable Relying Parties to utilize multiple EAAs issued by public and private (Q)EAA Providers
  • Reduce fraud: attested data signed by a trusted authority hinder manipulation of data provided by the user
  • Automated processing by Relying Parties due to standardized format for the provision of EAA (schema), esp. reduce data entry errors
  • Opportunity to create value added services requiring secure user identification and authentication

Efficiency and cost reduction

  • Reduce operational costs by achieving significant efficiency gains
  • Drive down costs for identification and ID verification
  • Reduce administrative burden
  • Reduce inconsistencies by minimizing the need for repeated data submissions

Secure and trusted transactions

  • Reduce risks associated with cybercrime like identity theft and online fraud
  • Protect against unauthorized or fraudulent use
  • Build trust among users and service providers
  • Each organisation that wants to interact with an EUDI Wallet, needs to be authenticated before.

Harmonization and interoperability

  • Guarantee availability and reach in the EU and aim for global reach
  • One technical interface for all wallets
  • Digital identities are accepted regardless of the Member State
  • Ensure secure transactions across borders: The EUDI Wallet is a harmonized approach to trust, security, and interoperability for electronic identification and authentication:

Wallet-Relying Parties in the role of EAA Providers

  • Manage assets and related access rights through EAA loaded into the user wallet
  • Increasing the usage frequency of the wallet by issuing EAA for multiple domains triggers network effects

Legal and regulatory compliance

  • Assure compliance with Union data protection and security laws: data minimization, purpose limitation, and data protection by design and by default
  • Reliable expression of will by the User
  • Take informed decisions on trust level according to risk level of transaction

Organizations that act as relying parties and provide attestations

Non-discriminatory, interoperable access to EUDI wallets enable EAA Providers to issue electronic attestations to all users, enhancing trust, privacy, and fraud prevention while reducing manual effort. Private EAA Providers from different business domains augment the value of the whole ecosystem, public stakeholders included.

Value creation through attestation issuance

  • Reduce costs for issuing paper based attestations, especially with higher security requirements
  • Reduce costs for issuing and maintaining card based attestations, e.g. door keys, without the need to develop and maintain an own app
  • Minimize manual labor by automating the issuance process
  • The more EAA are issued and requested by relying parties the more the wallet is attractive for the users (network effect)

European Digital Identity Wallets create a level playing field for EAA Providers

  • Legal framework guarantees non-discriminatory access to all EUDI wallets for all EAA Providers (no restrictions to specific wallets)
  • Interoperability assures a maximum reach to EUDI wallets for EAA Providers

Registered EAA Providers establish trust for the common ecosystem

  • The authenticity of the EAA Provider is controlled by the EUDI wallet, assuring that only registered EAA Providers can issue attestations to the EUDI wallet
  • Relying Parties can assure that a certain EAA Provider is registered by a member state

Relying Parties/Domains in the role of EAA Providers

  • Use EAA for sharing personal customer data with third parties: get explicit customer consent, avoid insecure transmission channels
  • Manage assets and related access rights through EAA loaded into the user wallet
  • Augment the usage frequency of the wallet by issuing EAA for multiple domains

Organizations that act as EUDI wallet providers to serve citizens

For Germany, the decision has been taken by the government that conditions for non-governmental providers will be created allowing them to have their own EUDI Wallets certified and recognized. In addition, the German government has taken the decision to become a Wallet Provider itself. Therefore, there might be different EUDI Wallets from the private sector competing with the wallet provided by the government.

Here, you can find more details about the decision that has been made.

To support the development of non-governmental wallets, the German government will open-source its own wallet as a foundational implementation. Additionally, as part of the EUDI wallet ecosystem orchestration, a shared open-source EUDI wallet development will be maintained to enhance synergies, foster trust, and reduce overall costs for ecosystem actors.

The major reasons for the German government to become a Wallet Provider are:

  • Guarantee the availability of at least one EUDI Wallet by end of 2026 / beginning of 2027
  • Strengthen the digital sovereignty of the Federal Republic of Germany itself
  • Offering citizens an EUDI wallet without commercial interests as part of the “öffentliche Daseinsvorsorge" (service provision in the public interest)

Becoming a non-government EUDI wallet provider offers e.g. the following opportunities for organizations:

  • Offer value added services for natural persons on top of the EUDI wallet scope
  • Improve/retain customer relationship by integrating EUDI Wallet functions into existing customer apps
  • Bundling services and maximizing synergies as a Qualified Trust Service Provider (QTSP) by offering EUDI Wallet, Qualified Electronic Signature (QES), and Qualified Electronic Attribute Attestation (QEAA) while leveraging economies of scale.