Pilot selected · development starts Q3 2026
The digital euro wallet is built. Now it needs a bank.
Digital Euro Kit is a working white-label wallet and TSP engine, built against the ECB’s published pilot specifications — DESP integration, DEAN and aliases, holding limits with waterfall, funding, defunding and a certification harness. The missing piece is a partner with regulatory standing: a bank, PSP or e-money institution to pilot it and take it through Eurosystem certification.
The engine
What’s already built
Not slideware — running code, developed against the pilot documentation and validated with a seeded fuzz suite. Everything below exists today.
- 13
- engine modules
- 10,000+
- automated tests
- 35
- conformance scenarios
- 1
- missing piece: a bank
Wallet and accounts
DEAN account numbers, aliases, access management and the full account lifecycle — onboarding through closure — per the scheme rulebook.
Payments
Transaction initiation and settlement against the DESP APIs, with JWE-encrypted payloads and PSP-hosted payment flows.
Holding limits and liquidity
Waterfall and reverse waterfall against commercial bank money, funding and defunding, and limit enforcement built in from the start.
Compliance and operations
Reserved funds management, fees, dispute handling, reporting and status — the operational plumbing a distributing PSP is accountable for.
Switching and portability
PSP switching as the rulebook prescribes it, so an onboarded user is never locked in — a scheme obligation, handled.
Certification harness
A 35-scenario conformance suite that exercises the whole engine end-to-end and produces an auditable report against the pilot specifications.
The partnership
Who I’m looking for
Software alone cannot distribute the digital euro. The scheme requires an institution with the licence and standing to face the Eurosystem: a bank, a payment service provider or an e-money institution. That institution brings the regulatory shell — the engine brings everything inside it.
Pilot the engine
Run the wallet under your licence in the 2027 pilot window, white-labelled under your brand.
A head start on the obligation
Euro-area credit institutions will be required to distribute the digital euro. Start from a working engine, not from a blank repository in 2028.
Shape the roadmap
The partner decides what gets built next — certification scope, channels, integration with your existing core.
The knowledge base
Written while building it
Everything else on this site — the guide, the glossary, the blog — is the reference I wished existed while implementing the rulebook. It’s free, sourced from ECB primary documents, and kept current.
What is the digital euro
A complete, plain-English guide: what it is, what it isn't, and why it matters for the people who have to build it.
Read moreWhat PSPs must do
Obligations, certification, and the build-vs-buy decision for banks and payment institutions preparing to distribute.
Read moreThe technology
DESP, JSON REST APIs, ISO 20022, CPACE for NFC — the architecture, and why it is deliberately not a blockchain.
Read moreFree tool
DEAN validator
Check a Digital Euro Account Number — structure and ISO 7064 MOD 97-10 check digits — and see exactly which part is wrong when it fails. Generates test DEANs too. Runs entirely in your browser.
Open the validator18 characters. Positions 5–18 are the BEAN.
Latest articles
All articles- Pilot
36 PSPs selected for the digital euro pilot — what it means
On 14 July 2026 the ECB selected 36 PSPs from 57 applications across 19 countries for the digital euro pilot. What it signals — and what it doesn't.
- For PSPs
Digital euro — should your bank build or buy?
The digital euro is mandatory for credit institutions and free for individuals. That makes build vs buy a cost problem, not a product decision.
- Identifiers
What is a DEAN? The digital euro account number
A DEAN is the digital euro's account number — 18 characters, an EU prefix, IBAN-family check digits, an indicator digit and a 13-digit serial.
- Basics
Can I use my crypto wallet for the digital euro?
No — the digital euro isn't crypto and isn't on a blockchain, so a wallet like MetaMask or Ledger can't hold it. Here's how you'll actually access it.
Get digital euro updates
Occasional briefings on the rulebook, the pilot and what PSPs must do. No spam.