{"id":3066,"date":"2025-10-14T19:02:32","date_gmt":"2025-10-14T17:02:32","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3066"},"modified":"2026-02-26T11:33:55","modified_gmt":"2026-02-26T10:33:55","slug":"eidas","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas\/","title":{"rendered":"eIDAS"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">What is eIDAS and why is it important?<\/h2>\n\n\n\n<p><strong>eIDAS<\/strong> stands for <em>electronic IDentification, Authentication and trust Services<\/em>. This European regulation from 2014 regulates the cross-border recognition of national digital identification means (such as DigiD) and trust services (such as digital signatures). The aim is to support a secure European digital internal market in which citizens and businesses can do business online across national borders.<\/p>\n\n\n\n<p>In 2024, <strong>eIDAS 2.0<\/strong> was adopted, with the most important innovation being the introduction of the <strong>EUDI Wallet<\/strong>: an app that allows citizens to identify themselves and share personal data, such as a driver&#8217;s license or <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/dutch-iban\/\" type=\"btv_wiki\" id=\"3089\"><strong><u>IBAN<\/u><\/strong><\/a>, via their smartphone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">European Digital Identity Wallet (EUDI Wallet)<\/h3>\n\n\n\n<p>The EUDI Wallet is an important foundation for Europe&#8217;s digital future. The wallet has three main functions:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Logging in and authenticating to services;<\/li>\n\n\n\n<li>Digitally signing documents;<\/li>\n\n\n\n<li>Storing digital certificates and diplomas.<\/li>\n<\/ol>\n\n\n\n<p>The EUDI Wallet will be an <strong>additional tool<\/strong> for identification and authentication for both public and private services throughout the EU. Each member state must make a national EUDI Wallet available to citizens free of charge, for voluntary use, by <strong>December 24, 2026<\/strong> at the latest.<\/p>\n\n\n\n<p>The European Commission expects that by <strong>2030<\/strong>, approximately 80% of Europeans will be using the wallet. The wallets are based on uniform standards, specifications, and procedures laid down in <em>implementing acts<\/em> (IAs) and the <em>Architecture and Reference Framework<\/em> (ARF).<\/p>\n\n\n\n<p>This ensures interoperability and cross-border use.<\/p>\n\n\n\n<p><strong>Examples of applications:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Logging in to government services or healthcare institutions<\/li>\n\n\n\n<li>Digitally signing documents<\/li>\n\n\n\n<li>Securely sharing bank account numbers or age verification<\/li>\n<\/ul>\n\n\n\n<p>Private service providers, including banks and payment service providers, will be required to accept the EUDI Wallet as a means of identification. Read more about the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas-2-and-payments\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas-2-and-payments\/\"><strong><u>impact of the EUDI Wallet on payments<\/u><\/strong><\/a>.<\/p>\n\n\n\n<p>The Dutch government provides additional information about <a href=\"https:\/\/www.digitaleoverheid.nl\/overzicht-van-alle-onderwerpen\/identiteit\/eidas\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>eIDAS 2.0<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch) and the <a href=\"https:\/\/www.digitaleoverheid.nl\/overzicht-van-alle-onderwerpen\/identiteit\/id-wallet\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>EUDI Wallet<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch). In March 2025, the <strong>Financial Markets Authority (AFM)<\/strong> also published <a href=\"https:\/\/www.afm.nl\/nl-nl\/sector\/actueel\/2025\/mrt\/nieuwe-digitale-ID\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>a report on the impact of the wallet on the financial sector<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">European initiatives (Large Scale Pilots)<\/h3>\n\n\n\n<p>In 2023, the European Union launched four <strong>large pilot programs<\/strong> to test the EUDI Wallet before its official introduction in the member states. These pilots collect feedback on the requirements, contribute to the development of the <strong><em>Common Toolbox<\/em><\/strong>, and support secure implementation.<\/p>\n\n\n\n<p>More than <strong>350 organizations<\/strong>\u2014including governments, regulators, and companies from 26 EU member states, Norway, Iceland, and Ukraine\u2014are participating. The projects are co-funded by the European Commission and supervised by the <em>eIDAS Expert Group<\/em>.<\/p>\n\n\n\n<p><strong>The four original pilots:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>POTENTIAL<\/strong> \u2013 Innovation in sectors such as government, banking, telecommunications, mobile driving licenses, e-signatures, and healthcare.<\/li>\n\n\n\n<li><strong>EU Digital Identity Wallet Consortium (EWC)<\/strong> \u2013 Focused on payments and financial services. This project investigates how the EUDI Wallet can be used for payments, financial transactions, and compliance with PSD2, PSD3, and anti-money laundering (AML) rules.<\/li>\n\n\n\n<li><strong>NOBID Consortium<\/strong> \u2013 Tested the use of the EUDI Wallet for authorizing payments in Nordic and Baltic countries.<\/li>\n\n\n\n<li><strong>Digital Credentials for Europe (DC4EU)<\/strong> \u2013 Focused on issuing educational diplomas and social security documents, integrated into the EUDI Wallet.<\/li>\n<\/ul>\n\n\n\n<p><strong>New pilots (2025\u20132027):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>WE BUILD consortium<\/strong> (<em>Wallet Ecosystem for Business and Payments Use Cases on Identification, Legal Representation and Data Sharing<\/em>)<\/li>\n\n\n\n<li>This project will start in September 2025 and run for 24 months. It will be led by the Dutch Ministry of Economic Affairs, the Chamber of Commerce, and Bolagsverket in Sweden. The Dutch Payments Association is participating as <em>lead consumer payments<\/em> and will focus specifically on scenarios within the <strong>consumer payments<\/strong> component.<\/li>\n\n\n\n<li><strong>APTITUDE consortium<\/strong> \u2013 Led by France and building on the work of the NOBID consortium.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Role of the Dutch Payments Association<\/h2>\n\n\n\n<p>The Dutch Payments Association is actively involved in the application of <strong>eIDAS<\/strong> and the <strong>EUDI Wallet<\/strong> within the payments sector. Our role includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Participation in European working groups in which functional and technical requirements are coordinated;<\/li>\n\n\n\n<li>Consulting with banks and payment service providers on practical applications, such as paying with the EUDI Wallet;<\/li>\n\n\n\n<li>Explaining and clarifying legal obligations for Dutch parties, including banks and payment institutions.<\/li>\n<\/ul>\n\n\n\n\t<div data-name=\"acf\/data-pairs\" class=\"align\" >\n\t\t<div class=\"\">\n\t\t\t<div class=\"@container\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 md:mb-8 text-xl md:text-2xl w-full @5xl:text-center\">Facts and figures<\/h2>\n\t\t\t\t\t\t\t\t<ul class=\"items-stretch grid grid-cols-1 gap-4 @2xl:gap-12 gap-y-8 @5xl:gap-y-12 @xl:grid-cols-2 @2xl:grid-cols-3 @4xl:text-zoom-lg:grid-cols-2 \">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-xl bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6f0231d91\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:500}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t500\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">million<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t500million \t\t\t\tEU citizens eligible for an EUDI Wallet \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tEU citizens eligible for an EUDI Wallet\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-xl bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6f0231dd4\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:23}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t23\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">states<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t23states \t\t\t\tContributing with pilot projects \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tContributing with pilot projects\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"@container w-full\">\n\t\t\t\t\t\t\t<div class=\"flex w-full flex-col gap-4 h-full text-center justify-between @xl:flex-row @xl:gap-8\">\n\t<div class=\"w-[80%] max-w-[240px] @xl:max-w-[188px] @4xl:max-w-[344px] mx-auto flex items-center\">\n\t\t<div class=\"w-full relative aspect-square\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"text-xl bg-ocean-50 w-full h-full absolute top-1\/2 left-1\/2 -translate-1\/2 rounded-full flex flex-wrap gap-1 items-center justify-center text-center\"\n\t\t\t\t\t  aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span id=\"counter-69df6f0231df4\" data-module=\"counter\" data-config=\"{&quot;endValue&quot;:2}\" class=\"max-w-[90%] break-words\">\n\t\t\t\t\t\t\t\t2\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"inline-block break-words\">million<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t<div class=\"flex flex-col gap-2 grow h-full justify-center @xl:items-start @4xl:text-md\">\n\t\t\t<div class=\"sr-only\">\n\t\t\t\t2million \t\t\t\tUsers in the EU participating in pilot projects \t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-sm @sm:text-base\">\n\t\t\t\t\tUsers in the EU participating in pilot projects\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-future-and-related-themes\">Future and related themes<\/h2>\n\n\n\n<p>The EUDI Wallet will not only be used for <strong>identification<\/strong>, but also for <strong>digital payments<\/strong> and displaying documents such as diplomas or driver&#8217;s licenses. This development touches on broader themes such as the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/digital-euro\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/digital-euro\/\"><strong><u>digital euro<\/u><\/strong><\/a>, <strong>digital signatures<\/strong>, and <strong>privacy legislation<\/strong>.<\/p>\n\n\n\n<p>The Dutch Payments Association is closely monitoring these developments, including within the <strong>WE BUILD Consortium<\/strong> and in European working groups on standardization and regulation. In the long term, the EUDI Wallet may be integrated into banking apps or payment services, which will present new opportunities and challenges for the sector.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>eIDAS and the European Digital Identity Wallet (EUDI Wallet) together form the European framework for secure, cross-border digital identification. These developments affect citizens, businesses, and payments.<\/p>\n","protected":false},"featured_media":983,"parent":12,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[10],"class_list":["post-3066","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-digital-identity"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>eIDAS - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"eIDAS and eIDAS 2.0 introduce the EUDI Wallet for secure EU digital ID, signatures and cross-border authentication.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"eIDAS\" \/>\n<meta property=\"og:description\" content=\"eIDAS and eIDAS 2.0 introduce the EUDI Wallet for secure EU digital ID, signatures and cross-border authentication.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T10:33:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2022\/12\/Vlag_EU_shutterstock_1360597409-610x343-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"343\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/digital-identity\/eidas\/\",\"name\":\"eIDAS - 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