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

We help financial institutions, technology companies and the public sector make the right strategic, product and technical decisions where digital identity, payments and digital money converge — and turn those decisions into products that work.

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Where we work

Three domains, one mandate.

We work where digital identity, payments and digital money converge. Our projects combine strategic, product, regulatory and technical expertise to address questions that increasingly cut across traditional industry boundaries.

Digital Identity

Turn new identity infrastructure into better products, trusted customer journeys and new opportunities — across EUDI and comparable identity ecosystems globally.

Payments

Modernize payment products and infrastructure as new rails, regulation and customer expectations reshape the market.

Digital Money

Turn stablecoins, tokenized deposits and CBDCs from emerging concepts into viable strategies, products and infrastructure.

Our work cuts across the technologies shaping these ecosystems — from AI and authentication to security, interoperability and emerging wallet technologies.

See how this shows up in our work →

Why etonec

What clients get from working with us.

01
We connect the domains.
We work where digital identity, payments and digital money converge, and our projects combine strategic, product, regulatory and technical expertise.
02
We combine strategy and technology.
From strategic decisions and product concepts through architecture, prototypes and implementation.
03
We stay senior.
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.

Consortia

WeBuild, Aptitude

Industry associations

Bitkom, Digital Euro Association

etonec is a specialized consultancy working with financial institutions, technology companies and the public sector. Our team combines backgrounds in payments, identity, digital money, product, regulation, architecture and security.

How we work

A defined path from strategy to launch.

How we work

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

Team