What we do

Three domains. One mandate.

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

Our view of where these markets are heading comes from sitting inside the consortia and associations building them.

Digital Identity

Turn digital identity from a compliance requirement into a product opportunity — at a global scale.

The European Digital Identity Wallet (EUDI) changes how users identify, authenticate, authorize, sign, and share verified data. We help organizations understand their obligations, define their role, redesign critical customer journeys, and build the required technology capabilities — across EUDI in Europe, and comparable schemes across other markets. We work across the underlying architectures, standards and implementation constraints — directly with engineering teams, not only strategy teams.

  • Educational Workshops
  • Strategy (Use Cases, Roles, Vision)
  • Compliance
  • Monetization
  • User journeys
  • Architecture
  • Technical requirements
  • Proof of Concept
  • Partner / vendor strategy
  • Go-to-market
  • Zero-knowledge proofs
  • Standard setting
Try the Etonec EUDI Sandbox →

Digital Payments

New technologies, evolving regulation and changing customer expectations are reshaping payments.

Identity is moving closer to payments, new local payment systems are reshaping how consumers pay, and existing payment methods are continuously digitizing. We help financial institutions, payment providers, merchants and technology providers assess opportunities, develop payment strategies and turn them into products and services.

  • Payment strategy
  • Payment architecture
  • Payment modernization
  • Payment schemes
  • Product and user journeys
  • Value-added services
  • Payment license support
  • Vendor analysis
  • Target operating model

Digital Money

Navigate the shift to new forms of money — central bank digital currencies, digital euro, stablecoins and tokenized deposits.

Digital money is moving from concept to market reality. The digital euro is progressing toward a potential launch in 2029, while stablecoins are gaining traction and tokenized deposits are emerging as another important form of digital money. We help organizations understand where these developments are heading, what they mean for their business, and how new forms of money will fit into and reshape today's payment landscape.

  • Strategy & role assessment
  • Use cases
  • Business cases
  • Monetization
  • Regulation
  • Product
  • Architecture
  • Prototype
  • Proof of Concept
  • Go-to-market
  • Impact assessment

Reference projects

What this looks like in practice.

Challenge

A central bank needed to translate its digital currency objectives into a concrete product and technology design — defining payment capabilities, user journeys, authentication and security while navigating regulatory requirements and emerging technologies.

What we did

etonec supported the end-to-end design of the digital currency platform — from product concepts, payment capabilities and user journeys to authentication, security architecture and technical design. We translated policy and regulatory requirements into concrete product and technology decisions and explored emerging technologies and next-generation capabilities for the platform.

Outcome

The central bank moved from high-level digital currency objectives toward a validated product and technology design, providing a foundation for the next stage of development.

Challenge

A global payment service provider needed to understand what the European Digital Identity Wallet would mean for its business — from upcoming regulatory requirements and its future role in the ecosystem to the use cases and commercial opportunities it should pursue.

What we did

etonec supported the client end-to-end from strategy to implementation readiness. We assessed regulatory requirements and ecosystem roles, prioritized use cases and developed the business case, translated these into product and technical requirements, and supported make-or-buy decisions, technical specifications and target architecture. We also helped establish the overall program and developed a roadmap to prepare the organization and technical teams for implementation.

Outcome

The client moved from exploring EUDI to having a clear strategy, prioritized use cases, a business case, a defined product and technology direction, and an actionable implementation roadmap — providing the foundation to mobilize the organization and move toward delivery.

Challenge

A public-sector programme building national EUDI Wallet infrastructure needed architecture and security expertise to translate eIDAS 2.0 requirements into a workable, ecosystem-wide technical design.

What we did

etonec contributed to the wallet architecture and security design, and supported ecosystem and rollout considerations across the programme.

Outcome

The programme progressed with an architecture that addressed the relevant security and ecosystem requirements ahead of rollout.