The European Digital Identity Wallet is becoming the backbone of trust, authentication, and payments across the EU. But its success depends on one critical factor: the security of the mobile environment.
Build38 provides a specialized mobile app security platform that transforms smartphones into trusted execution environments for high-assurance digital identity. Designed for eIDAS 2.0 and PSD3 compliance, our solution protects the wallet’s runtime, communications, and backend APIs against advanced mobile threats—even on compromised devices.
The European Digital Identity Wallet (EUDI Wallet) is becoming a cornerstone of the EU’s digital transformation, enabling citizens to securely store and share identity credentials—ranging from ID cards and driver’s licenses to diplomas and medical records—across all member states. Under eIDAS 2.0, the wallet is no longer just a convenience, but a legally recognized digital identity framework that sets a new standard for trust and introduces regulatory obligations for organizations, particularly in banking and financial services.
The regulatory countdown has begun: by December 2027, all EU banks must accept EUDI wallets for Strong Customer Authentication (SCA) and Customer Due Diligence (CDD). With large-scale wallet production set to begin across Member States in late 2026, organizations must act now to implement certifiable security frameworks.
In parallel, the evolution of PSD3 is expanding the role of digital identity into the financial ecosystem, where EUDI Wallets will support Strong Customer Authentication and transaction authorization. At the same time, AML regulations are enabling the use of wallet-based credentials for customer onboarding and due diligence, replacing traditional identity verification methods with high-assurance digital attestations.
With key deadlines approaching and requirements still evolving, organizations must prepare for a shift where digital identity becomes both a regulatory mandate and a core enabler of digital services. This convergence is transforming the wallet into a digital identity hub, an authentication mechanism for financial services, and a regulated trust anchor, making mobile app security essential to ensure compliance, mitigate risk, and enable scalable trust across Europe.
EUDI Wallets consolidate high-value personal data and biometric credentials into a single application, making them attractive targets for identity theft and large-scale cyberattacks. Cases such as Itsme in Belgium already demonstrate how digital identity fraud can rapidly undermine trust in authentication ecosystems.
EUDI Wallets must operate across billions of heterogeneous and often unmanaged devices worldwide. Rooted or jailbroken smartphones break the application’s security boundaries, enabling malware to intercept identity attributes, PINs, biometric information, and authentication data while increasing the risk of unauthorized access and fraud.
Cryptographic keys are the foundation of eIDAS 2.0 trust services and digital identity verification. If compromised, attackers can forge electronic signatures with full legal validity and weaken confidence across the ecosystem. Build38 protects runtime integrity and supports secure authentication, trusted transactions, and verifiable audit trails.
As wallets increasingly rely on biometrics for high assurance authentication, they become vulnerable to deepfake-assisted injection attacks targeting identity verification processes. Attackers can inject synthetic data into authentication flows to bypass biometric checks, impersonate legitimate users, and gain unauthorized access to digital identities.
Attackers increasingly rely on advanced reverse engineering techniques to analyze application logic, uncover vulnerabilities, and bypass built-in protections. This allows them to harvest sensitive credentials, disable critical security controls, and even distribute cloned versions of official wallet applications across multiple fraudulent distribution channels.
EUDI Wallets continuously interact with public and private services through APIs, making secure communication essential across the digital identity ecosystem. Without proper protection, attackers can execute Man-in-the-Middle attacks, potentially causing large-scale data breaches, credential theft, and a breakdown of trust between connected services.
Achieving the “High” Level of Assurance required under eIDAS 2.0 and PSD3 is both complex and resource-intensive for organizations. Companies must balance seamless user experience with strong mobile application security while meeting strict regulatory requirements, often increasing development costs and delaying time-to-market initiatives.
Meeting evolving ENISA standards requires specialized expertise and continuous alignment with emerging certification requirements throughout the European digital identity ecosystem. Build38 supports the ENISA EUDIW certification scheme by providing MASVS Resilience controls for platform integrity, anti-tampering, reverse engineering protection, and runtime attack prevention.
EUDI Wallets must comply with emerging standards such as CEN/TS 18099:2025 and relevant ISO frameworks to ensure interoperability across Europe. Build38 provides a certification-ready, tamper-resistant foundation that helps future-proof wallet solutions while enabling secure interoperability between users, providers, and digital trust services.
Build38’s Mobile App Security Platform delivers a full-stack, end-to-end security approach tailored to high-assurance digital identity and payment use cases. As EUDI Wallets become a regulatory requirement for authentication and onboarding, securing the mobile application layer is essential to ensure compliance, prevent fraud, and maintain control over authentication processes.
Build38 enables wallet providers, banks, and fintechs to meet the highest levels of assurance under eIDAS 2.0 and PSD3 while maintaining control over authentication and user security.
As regulatory deadlines approach and requirements continue to evolve, securing the mobile layer becomes essential to reduce fraud risk, ensure compliance, and support scalable digital onboarding and authentication. Build38 transforms EUDI Wallets into certifiable, tamper-resistant trust anchors ready for Europe’s digital identity and payment ecosystem.
Businesses worldwide trust Build38 with their mobile app security. Don’t just take our word for it—listen to what our customers have to say.
