Turning digital identity, digital payments and digital money into a competitive advantage.

We help financial institutions, payment service providers and technology companies translate opportunities in digital identity, digital payments and digital money into strategy and products.

See what we do →Talk to our experts

0+Projects delivered
0+Countries
0%Tier 1 clients

Our team has worked at

Where we work

Three domains, one mandate.

We work where digital identity, digital payments and digital money converge, on questions that increasingly cut across traditional industry boundaries.

Digital Identity

Turn new identity infrastructure into better products, trusted customer journeys and new opportunities — across the European Digital Identity (EUDI) Wallet in Europe and comparable identity ecosystems globally.

Digital Payments

Shape and build payment products that respond to changing technologies, regulation and customer needs.

Digital Money

Turn stablecoins, tokenized deposits and Central Bank Digital Currencies (CBDCs) from emerging concepts into viable strategies, products and infrastructure.

See how this shows up in our work →

Our clients

We are a service provider to the European Central Bank and support the German EUDI Wallet, alongside other institutions building financial and identity infrastructure that prefer to stay unnamed.

Why etonec

What clients get from working with us.

01
We connect the domains.
Identity, payments and money questions rarely stay separate. We work across all three.
02
We combine strategy, product, regulatory and technology expertise.
From strategic decisions and product concepts through architecture, prototypes and implementation.
03
Senior expertise throughout.
Senior specialists remain directly involved from the first conversation through delivery, ensuring continuity from strategic decisions to implementation.
04
We contribute where the ecosystem is being shaped.
We take part in the consortia, associations and projects shaping tomorrow’s standards and infrastructure, and validate client work against that network, such as WeBuild and Aptitude as large-scale pilots funded by the European Commission.

Standard-setting consortia

Industry associations

How we work

A defined path from strategy to product launch.

How we work

AssessmentUnderstand the market & regulatory environment and what it means for you.
DesignTurn that into a strategy, a proposition or a solution design.
Build & GTMValidate operating model, support implementation and prepare for market entry.

Team

Direct access to our senior specialists.

Senior specialists on the core team, and a standing network we bring in for cryptography, security architecture, engineering, legal counsel and research.