ECB selects digital euro service providers

2 October 2025

As part of the preparation phase for the digital euro, the European Central Bank (ECB) has selected providers for five digital euro components and related services, as the outcome of the call for applications initiated on 3 January 2024 and subsequent invitation to tender.

The results of these procedures have been published today, 2 October 2025.

The ECB has signed framework agreements with the following providers for the five digital euro components and related services:

1. alias lookup: (1) Sapient GmbH & Tremend Software Consulting S.R.L, (2) equensWorldline
2. risk and fraud management: (1) Feedzai, (2) Capgemini Deutschland
3. app and software development kit (SDK): (1) Almaviva SpA & Fabrick SpA, (2) Sapient GmbH & Tremend Software Consulting S.R.L
4. offline solution: (1) Giesecke+Devrient, (2) To be announced in due course
5. secure exchange of payment information: (1) Senacor FCS, (2) equensWorldline

Service requests will initially be directed to the first-ranked provider; the second-ranked provider will be approached only if required.

The ECB will only take a decision to issue the digital euro once the Digital Euro Regulation has been adopted. The actual development of the components – or parts thereof – will be decided at a later stage, subject to the ECB Governing Council’s decision on the potential next phase of the project.

Framework agreements do not involve any payment at this stage and include safeguards allowing for the scope to be adjusted in line with changes to the legislation.