The European Central Bank (ECB) has announced the selection of several service providers to support the next stage in preparations for a potential digital euro.
The outcome follows a call for applications that began on 3 January 2024 and a subsequent tendering process. The results were officially published on 2 October 2025.
The ECB has signed framework agreements with a range of companies across five service areas. For alias lookup, Sapient GmbH and Tremend Software Consulting S.R.L have been selected as the lead providers, with equensWorldline ranked as second. In the category of risk and fraud management, the top-ranked provider is Feedzai, followed by Capgemini Deutschland.
In app and software development kit (SDK) services, Almaviva SpA and Fabrick SpA have been appointed first, with Sapient GmbH and Tremend Software Consulting S.R.L as the secondary option. For offline solutions, Giesecke+Devrient has been chosen, while the second provider is expected to be announced later. Finally, for secure exchange of payment information, Senacor FCS leads the category, with equensWorldline as the backup.
Under the framework agreements, service requests will initially be directed to the first-ranked provider. Only if additional capacity is needed will the ECB turn to the second-ranked supplier. However, these agreements do not currently involve any financial payments. Instead, they serve to establish a structured approach for future development while allowing for flexibility should legislative changes alter the project scope.
The ECB stressed that the decision to issue a digital euro has not yet been taken. Any final move will depend on the adoption of the Digital Euro Regulation. Development of the selected components, or elements of them, will only commence if the ECB’s Governing Council approves the transition to the next stage of the initiative.
The institution also highlighted that the agreements contain safeguards to ensure adaptability as legislative frameworks evolve. This approach is designed to protect both the integrity of the project and compliance with EU regulations as they are finalised.
The announcement underlines the ECB’s continued preparation work as it evaluates the feasibility and technical infrastructure required for a digital euro. The central bank maintains that no premature commitments are being made until the legislative and policy landscape is fully clarified.
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