In a milestone for the European digital identity ecosystem, Banca Transilvania and payments-tech firm BPC have completed the first pilot in Romania using the EU Digital Identity Wallet (EUDIW) for a real-money transaction.

The initiative lets a cardholder authenticate a purchase using the wallet rather than a conventional one-time password or card reader.

The pilot forms part of a large-scale testbed led by the European Commission under the eIDAS 2 Regulation, which requires all EU banks to accept the wallet for strong customer authentication and KYC (know-your-customer) purposes by 2027.

Banca Transilvania's Deputy CEO Retail Banking, Oana Ilaş, described the project as a historic step toward a unified European digital identities framework that enhances interoperability, inclusivity and banking access.

From a digital governance and payments policy perspective, this pilot is significant. It shows how national banking systems are beginning to integrate digital-ID wallets into card and account-based flows, potentially reducing reliance on legacy authentication mechanisms (such as SMS OTP or hardware tokens) that are vulnerable to fraud.