What we do

Three domains. One mandate.

Most consultancies focus on one of the three. We focus on where digital money, digital identity, and payments converge — and the work our clients need sits in that overlap.

Our view of where these markets are heading comes from sitting inside the consortia and associations building them, not from desk research.

Digital Money

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

Digital money is reshaping the payments landscape and is increasingly embedded directly into payment solutions — from the digital euro and CBDCs to stablecoins and tokenized deposits.

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

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. etonec helps organizations understand their obligations, define their role, redesign critical customer journeys, and build the required technical capabilities — across EUDI in Europe, and comparable schemes across other markets. etonec understands the underlying architectures, standards, and implementation constraints at a level still rare in consulting — enough to work directly with engineering teams, not only strategy teams.

  • Readiness
  • Strategy
  • Use cases
  • Compliance
  • Monetization
  • User journeys
  • Architecture
  • Technical requirements
  • PoC
  • Partner / vendor strategy
  • Rollout
  • Zero-knowledge proofs

Payments

Build the payment proposition for the next generation of rails

Payment providers and banks must integrate new rails while continuing to improve economics, user experience, resilience, and merchant value. etonec combines deep payments experience with expertise in digital money and identity.

Internal note: the exact wording of the Payments deliverables and capabilities below still needs review before launch.
  • Payment strategy
  • Merchant proposition
  • Payment architecture
  • Payment modernization
  • Bank connectivity
  • Payment schemes
  • Orchestration
  • Product and user journeys
  • Value-added services
  • Payment license support
  • Vendor analysis
  • Target operating model

Reference projects

What this looks like in practice.

Internal note: both the exact wording of the reference projects below and which client references are ultimately published still need internal alignment. Nothing here is final.

01

Central Bank Digital Currency Infrastructure

Central Bank

digital-money · Product design · Authentication · Security · Payment flows · Regulation · Go-to-market · Architecture

Challenge. A central bank needed to design digital currency infrastructure — working through specific payment product implications and authentication, in compliance with regulation and technological standards, while identifying how to leverage innovation.

What we did. etonec supported the design of core product and payment flows, contributed to the authentication and security architecture, helped translate policy and regulatory requirements into technical and go-to-market decisions, and provided additional security support across the program.

Outcome. The central bank moved from policy-level CBDC objectives to a validated architecture and product design, ready for the next stage of development.

02

EUDI Strategy for a Global Payment Service Provider

Global Payment Service Provider · Europe

digital-identity · Market assessment · eID / EUDI readiness · Strategy · Product · Technical design · Regulatory impact

Challenge. A global payment service provider needed to understand the EUDI Wallet and define a strategic response — including strategic use cases — ahead of mandatory-acceptance requirements.

What we did. etonec defined strategic use cases, built the business case, produced the technical specification and product design, and supported lobbying work.

Outcome. The PSP moved from general awareness of EUDI to a defined strategic position, prioritized use cases, and a clear view of the product and technical work required to act on it.

03

National EUDI Wallet Architecture

Public Sector · Europe

digital-identity · Architecture · Security · Ecosystem · Rollout

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.