Overview

• The agreements cover alias lookup, fraud and risk management, a wallet app and SDK, an offline solution, and secure exchange of payment information.
• Named providers reported include Feedzai for fraud detection (with PwC), Sapient and Tremend for alias lookup, Capgemini Deutschland for app and SDK, equensWorldline for processing services, Senacor for secure data exchange, and Giesecke+Devrient with Nexi and Capgemini for offline payments.
• The ECB describes the contracts as preparatory framework agreements, with actual build-out to begin only after a Governing Council decision and adoption of the Digital Euro Regulation.
• The preparation phase runs through October 2025, and ECB officials have cited a realistic launch target around mid‑2029 subject to legislative approval.
• Each component has first‑ and second‑ranked providers, with a second offline provider yet to be named, and trade press reports differ on the total number of firms selected.