The European Central Bank (ECB) continues to advance preparations for a potential central bank digital currency (CBDC) as it progresses with the digital euro project. On Oct. 2, the ECB revealed the outcome of its tender process, naming firms that will provide essential services for five key infrastructure components. The move reflects the institution’s broader strategy of ensuring readiness, even though the launch of a digital euro is still subject to regulatory approval.

The ECB explained:

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.

The framework agreements assign specific roles to a range of providers across the digital euro’s infrastructure. Alias lookup services will be handled by Sapient GmbH & Tremend Software Consulting, with Equensworldline also selected in this category. Risk and fraud management responsibilities fall to Feedzai and Capgemini Deutschland, while app and software development will be covered by Almaviva SpA & Fabrick SpA alongside Sapient GmbH & Tremend Software Consulting. For the offline solution, Giesecke+Devrient has been named as the lead, though a second provider is yet to be announced. Secure payment information exchange will be managed by Senacor FCS, with Equensworldline included as well. The ECB noted that requests will first go to the top-ranked providers, with secondary firms only called upon if necessary.

Caution remains central to the ECB’s stance, as officials emphasized:

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.

In parallel, results from the ECB’s recent digital euro trials highlighted innovations such as conditional payments and electronic receipts, with nearly 70 participants exploring new applications to boost efficiency and inclusion. A second round of experimentation is scheduled for 2026, underscoring the institution’s gradual but determined approach. While skeptics warn of risks to financial stability, supporters maintain that a digital euro could safeguard European monetary sovereignty and create a secure state-backed payment alternative.

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