eIDAS 2.0 & EUDI wallet readiness for banks
Under eIDAS 2.0, regulated relying parties will be expected to support EUDI Wallets for authentication and strong customer authentication (SCA) by late 2027. DigipassONE™ Verify connects you to the wallet ecosystem through a single integration layer.
Member-state implementation timelines are already set. Institutions that scope wallet acceptance for SCA now avoid re-architecting their authentication stack later.
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Beyond Onboarding & KYC
Most eIDAS 2.0 conversations stop at onboarding and KYC. The regulation goes further: banks and other regulated relying parties will be required to accept EUDI Wallets in authentication and SCA scenarios.
That changes the integration question from "how do we verify a wallet credential once" to "how does the wallet fit into our authentication architecture?" DigipassONE answers both, covering credential verification and wallet-based authentication on the platform that already runs your SCA.
Authentication modernization is not a rip-and-replace exercise. Financial institutions in particular will run hardware tokens, mobile authenticators, and passkeys side by side for years, and the real differentiator is no longer any single method but the ability to manage that coexistence without abandoning existing investments.
Guillaume Teixeron, Senior Analyst, KuppingerCole
The DigipassONE platform
Introducing DigipassONE, OneSpan's unified platform for authentication, transaction security, digital credentials, application protection, and analytics.
Strengthen authentication without disrupting customers
See how DigipassONE fits your current authentication environment, and what a phased path to phishing-resistant MFA looks like for your institution.
DigipassONE & Digital ID Wallet FAQs
- What is a digital identity wallet?
A digital identity wallet is a secure app, cloud application, desktop application, or hardware wallet device that stores and manages verifiable credentials and allows users to present them for identity verification, authentication, or signing.
- What is the purpose of digital identity wallets?
Digital identity wallets are designed to complement physical identity documents and improve how identity is verified in digital environments.
Instead of presenting physical IDs or uploading document copies, users can store verifiable digital credentials in their wallet and share them instantly when required. This reduces reliance on repetitive document submission and manual verification processes.
Digital identity wallets also provide an alternative to common remote identity proofing methods such as document scans combined with selfies or video checks. These methods can be inconvenient and are increasingly vulnerable to manipulation.
By using verifiable credentials issued by trusted organizations, wallets enable faster and more reliable identity verification. Users can present verified information attributes directly, while organizations can validate it in real time.
Overall, digital identity wallets provide a secure, privacy-focused, and efficient way to prove identity across both online and in-person interactions.
- Is regulation driving adoption?
Regulation plays a major role in some regions, particularly in Europe.
The European Union is leading adoption through frameworks such as eIDAS 2.0 and updated anti-money laundering rules. These regulations establish a legal foundation for digital identity and define how wallets can be used for authentication and identity verification.
Key milestones include:
- EU member states must provide at least one digital identity wallet to citizens by December 24, 2026.
- Financial institutions will be able to use wallet-based credentials for customer verification under AML requirements starting in July 2027.
- By December 24, 2027, certain organizations, including banks, must support wallet-based authentication for login, transactions, and identity verification.
Outside Europe, adoption is driven more by market demand and ecosystem development rather than regulatory mandates.
- What is DigipassONE?
DigipassONE is OneSpan's unified authentication platform, designed to help organizations modernize authentication without disruption while simplifying management, strengthening trust, and supporting future authentication initiatives.
It brings together authentication, transaction security, digital credentials, and analytics in a shared platform architecture. By supporting a broad range of authentication methods and deployment models, DigipassONE helps organizations address evolving security requirements, user expectations, and regulatory demands while preserving existing investments.
- How does DigipassONE help organizations modernize authentication?
Authentication modernization is not a single technology transition. Organizations must balance existing authentication environments with evolving standards, rising user expectations, and emerging authentication technologies.
DigipassONE provides a practical path to passkeys, digital credentials, and future authentication models while preserving current authentication investments. Its modular platform architecture enables organizations to adopt new capabilities according to business priorities and timelines, helping reduce modernization risk while maintaining user coverage and operational continuity.
- Can DigipassONE support phased authentication modernization?
Yes. DigipassONE enables organizations to introduce passkeys and other modern authentication capabilities alongside the methods they use today, then expand over time based on their priorities and timelines, without requiring an immediate replacement of their current authentication environment.
- Which capabilities are part of the platform?
DigipassONE consists of four core pillars that help organizations secure the full authentication lifecycle:
DigipassONE Authenticate
Delivers phishing-resistant authentication through passkeys, passwordless experiences, MFA, adaptive authentication, and strong customer authentication (SCA).DigipassONE Verify
Provides a digital identity wallet connector that enables organizations to adopt and verify digital credentials through a single integration layer.DigipassONE Insights
Delivers analytics and reporting that help organizations optimize authentication performance, monitor trends, and improve user experiences.DigipassONE Protect
Provides next-generation application and mobile protection capabilities to help organizations safeguard critical digital interactions.