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The EUDI Wallet is coming. Are you ready?

From 10 July 2027, the EUDI Wallet changes how your customers prove who they are. It doesn't change what AMLR requires you to do next. Liveness, AML screening, and a regulator-ready audit trail still follow every time.

Speak to an expert

The EUDI Wallet is coming. Are you ready?

Speak to an expert

Why the EUDI wallet matters

From 2027, every EU citizen, resident and business will be able to access to an EU digital identity – a government-issued digital wallet containing their verified identity data, name, nationality, date of birth, cryptographically signed and tamper-proof.

When a customer presents their EUDI Wallet, sometimes called a digital ID wallet or EU identity wallet, you're not checking a photograph of a document. You're receiving identity data confirmed directly by a government source, at the highest assurance level eIDAS defines. That's a fundamentally different, and more reliable signal than most onboarding flows rely on today.

The regulation behind the wallet

eIDAS 2.0, formally known as the European Digital Identity framework, created the European digital identity wallet and standardised digital identity across all 27 member states. It defines three levels of identity assurance: Low, Substantial, and High. AMLR requires High assurance for customer onboarding in regulated sectors.

That distinction matters. eIDAS High means identity data has been verified directly against a government-authoritative source and cryptographically signed – not scanned, not self-declared. It carries the same legal weight as a passport presented in person.

eIDAS 2.0 also mandates privacy by design. When a customer presents their EUDI Wallet, they share only what the transaction requires. Verifying someone’s age doesn’t expose their address. Confirming nationality doesn’t reveal their full identity record. The customer stays in control of their data – and you receive only what’s needed for compliance.

Assurance
level

What it
means

AMLR

req.

Low

Self-declared

identity

Not sufficient

Substantial

Verified against

existing records

Not sufficient

High

Govt-sourced,

cryptographically

signed

Required ✔

Assurance level

What it means

AMLR requirement

Low

Self-declared identity

Not sufficient

Substantial

Verified against existing records

Not sufficient

High

Government-sourced,
cryptographically signed

Required ✓

Where the wallet fits, and where it stops

The wallet tells you who your customer is. AMLR requires you to do everything else.

CUSTOMER OPENS EUDI WALLET

Shares verified identity data.
Government-issued · Cryptographically signed · eIDAS High

← WALLET STOPS HERE →

What Fourthline adds beyond the EUDI Wallet

STEP 2: LIVENESS CHECK

Biometric check confirms that person presenting the wallet is the person it belongs to.

Proof of presence – not just proof of credentials

STEP 3: AML SCREENING

Verified identity check before onboarding completes

Sanctions lists

PEP

Adverse media

Who someone is ≠ whether you can do business with them

STEP 4: AUDIT TRAIL GENERATED

Verified identity check before onboarding completes

Identity · eIDAS High assurance

Liveness confirmed · same session

Sanctions · no match

PEP · no match

Record scored · immutable

Timestamped · Structured · Regulator-ready

COMPLIANT ONBOARDING COMPLETE

AMLR-ready · Auditable · One flow · One API

What each step actually means

1. Identity verified via EUDI Wallet

The customer presents their wallet credentials. You receive government-confirmed identity data at eIDAS High assurance, without the friction of document uploads or manual checks. The customer shares only what you need. Verifying age doesn't require accessing a full identity record.

2. Liveness confirmed

3. AML screening

4. Audit trail generated

1. Watchlist check

We check if your client appears on any global politically exposed persons or sanctions watchlists, adverse media articles, enforcement lists, or your custom list of people you don't want to do business with

2. Liveness confirmed

3. AML screening

4. Audit trail generated

Important to note: Steps 2, 3, and 4 aren't optional additions. They're the compliance obligation the wallet enables you to start but can't finish alone.

What about customers not using a wallet yet?

Wallet adoption will be gradual and uneven across EU markets. Many of your customers won't have a wallet on day one and AMLR can't compel them to get one. We've got two other compliant paths ready.

EUDI Wallet

We're targeting initial integrations in 2027 ahead of the AMLR deadline. As new national wallets go live, we add them. No re-integration required on your side.

EUDI Wallet

We're targeting initial integrations in 2027 ahead of the AMLR deadline. As new national wallets go live, we add them. No re-integration required on your side.

Qualified electronic signature (QES)

The most established compliant onboarding method in Europe. High conversion, broad coverage, ready today. It's our core capability and your reliable fallback in markets where eID adoption hasn't caught up yet.

Learn about QES

Qualified electronic signature (QES)

Learn about QES

National eID

Works where adoption is real; Germany, the Baltics, Poland, Italy. We're expanding eID support continuously, handling each country's specific technical requirements so you don't have to.

Learn more about eID

National eID

Works where adoption is real; Germany, the Baltics, Poland, Italy. We're expanding eID support continuously, handling each country's specific technical requirements so you don't have to.

Learn more about eID

Why one flow matters more than three good tools

You can have a wallet integration, an AML tool, and a liveness provider all best-in-class and still have a compliance gap. The gap isn't in the tools. It's between them.

Stitched

together

Built

as one

Integrations

Three to

build and

maintain

One API

Audit records

Three logs

to manually

correlate

One

compliance

record per

customer

Timing

Wallet passes,

AML runslater =

timing gap

Every check

runs in the

same session

Regulatory

changes

Each vendor

updates

independently

We absorb

the change

Stitched together

Integrations

Three to build and maintain

One API

Audit records

Three logs to manually correlate

One compliance record per customer

Timing

Wallet passes, AML runs later = timing gap

Every check runs in the same session

Regulatory changes

Each vendor updates independently

We absorb the change

A compliance record showing identity verified at 09:42 and AML screening completed at 11:17 isn't a clean record. AMLR expects these checks to form a single, unbroken onboarding event. That only happens when they run in one flow.

Trusted by Europe's most regulated businesses

STRATEGY BUILT ON REALITY

"The EUDI Wallet is real, but so is the adoption gap. In Germany, where a national eID has existed since 2010, only 35% of adults have ever actually used it. Availability isn't the same as adoption.

Institutions that over-invest in a theoretical pan-European identity future – while overlooking the proven methods that work today – will be caught short. The right answer is a flexible, multi-method approach, with QES as your foundation and eID and EUDI Wallet active where they demonstrably work."

STRATEGY BUILT ON REALITY

"The EUDI Wallet is real — but so is the adoption gap. In Germany, where a national eID has existed since 2010, only 35% of adults have ever actually used it. Availability isn't the same as adoption.

Ralph Post | Chief Technology Officer, Fourthline

The deadline is set. Let's get you ready.

Tell us about your markets, your current onboarding flows. We'll show you where EUDI Wallet, QES, and eID fit.

Speak to an expert

The deadline is set. Let's get you ready.

Tell us about your markets, your current onboarding flows. We'll show you where EUDI Wallet, QES, and eID fit.

Speak to an expert