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

Digital Money

Navigate the shift to new forms of money, such as central bank digital currencies / digital euro, stablecoins & tokenized deposits.

Digital Identity

Turn identity from a compliance requirement into a strategic opportunity — across the European Digital Identity Wallet (EUDI) and comparable identity schemes globally.

Payments

Payments are changing from inside and outside the traditional stack

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.
The person who scopes an engagement is the person who delivers it — no account layer, no juniors on the file.
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