Comprehensive guide to digital wallets and their integration
Our company has been following and participating in the development of the European Digital Identity (EUDI) ecosystem since summer 2023. In this article, our goal is to present in an understandable way what the digital wallet is good for, what standards and actors are behind it, and how it should be integrated into corporate processes.
What is EUDIWallet?
A mobile-optimized, secure wallet in which authentic certificates issued by official state and market actors (e.g. personal data, qualifications, authorizations) can be stored and selectively shared. The framework is provided by eIDAS 2.0 (Regulation (EU) 2024/1183).
Source: EUDIWallet-HomeWhere does the implementation stand?
The Commission adopted the basic implementing regulations (core functions, protocols, certification, etc.) at the end of 2024, and in 2025 further regulations affecting registration and registries. Member states must provide a wallet within 24 months from the adoption of EU implementing regulations, so practical availability is expected widely at member state level in 2026.
Source: Digital StrategyMain actors
Issuer - officially certifies data (PID/EAA).
User (Holder) - stores and manages their certificates on their own device.
Verifier / Relying Party - requests and verifies attributes in a registered manner.
What technology is it built on?
Interactions: OpenID4VCI (issuance), OpenID4VP (presentation), SIOPv2 (self-issued).
Formats: SD-JWT VC, ISO/IEC 18013-5 (mdoc/mdl);
Basic principle: privacy- and security-by-design, data minimization, selective data transmission.
Hungarian context
Within the DAP framework, the Digital Citizen application is already operating and also implements a 'Digital Wallet' function. The eID solution is built on this, which the DAP Act (Act CIII of 2023) makes mandatory for many market actors; the details are being shaped in accordance with the implementation of EU regulations.
Source: Services.gov.hu - eID