#
EEA product development is led by instant A2A rails and a sovereign-payments agenda. The EPI's Wero wallet (operated since July 2024 across DE/FR/BE) reached 46m+ users and launched an e-commerce solution in November 2025. The ECB concluded the digital euro preparation phase on 29-30 October 2025 and moved to the next phase, targeting potential first issuance in 2029 assuming the Regulation is adopted in 2026. Open-finance access expands via the FIDA proposal (still in trilogue).
The sovereign A2A vector is Wero. Wero is an instant account-to-account wallet operated since July 2024 across Germany, France and Belgium and backed by 16 banks and PSPs. It launched an e-commerce solution in Germany in November 2025 with over 46m users; Deutsche Bank and Postbank joined in December 2025, with merchant and POS use cases on the 2025–2026 roadmap. The specific November 2025 e-commerce launch also surfaces as a W13 product release; here it is framed as a sovereign-payments market development. Both bank and non-bank participants back the wallet.
The forward open-finance horizon is FIDA. The Financial Data Access Regulation, proposed alongside PSD3/PSR, remained in trilogue in April 2026 and would extend open-banking-style access to investments, pensions, insurance and mortgages — broadening the data-access perimeter beyond payment accounts. This thematic product-access regulatory view is distinct from the discrete commercial events in W13.
Outlook
The trajectory is escalating. The digital euro's progress hinges on co-legislators adopting the establishing Regulation in 2026, with a pilot possibly mid-2027 and issuance targeted for 2029. Wero's merchant and POS roadmap and FIDA's trilogue conclusion, expected in H2 2026, are the other developments to watch as the open-finance perimeter widens.
No new data since the standing brief. 1 periodic run re-emitted it unchanged.
Sources and findings (4)
- T1ECB (Tier-1)
- T3EPI / Deutsche Bank
- T3Crassula PSD3/PSR guide
- T3Société Générale / EPI