How a Swiss private bank connected to all 27 EU Digital Identity Wallets — and the Swiss eID — through a single API, eliminating CHF 1.2M in projected integration costs and cutting private-client onboarding from 11 days to 4 hours.
eIDAS 2.0 requires all 27 EU states to issue citizens a European Digital Identity Wallet (EUDIW) by 2026 — credentials carrying eIDAS High assurance, cryptographically signed by national governments. For a private bank where 62% of clients are EU nationals, accepting them is a major opportunity.
The problem: each member state runs its own wallet, trust anchor, and credential format. Accepting all 27 meant 27 separate integrations — estimated at CHF 1.2M to build and CHF 180k/year to maintain. Meanwhile, the legacy onboarding took 11 business days, with a 28% document-rejection rate and prospects lost to faster rivals abroad.
VerfiX Gateway is a single REST integration that accepts EUDIW credentials from all 27 EU states plus the Swiss eID. It validates each credential against the national trust anchor, verifies the signature chain and revocation status, runs AML screening in parallel, and returns one normalised identity result — regardless of issuing country.
Client picks their country and opens their national EUDIW app via QR / deep link.
The wallet shares only requested attributes, signed by the issuing authority.
VerfiX checks the trust anchor, signature, validity and revocation on the credential.
SECO · UN · EU · OFAC · HM Treasury · PEP screening runs simultaneously.
One identity record + Trust Score + cryptographic audit trail returned to the bank.
For physical ePassports, an optional NFC chip read validates the government's digital signature via the ICAO Public Key Directory — elevating assurance to eIDAS High + biometric confirmation.
"We evaluated four solutions for EU eID acceptance. VerfiX was the only provider offering genuine coverage of all 27 member states through a single integration — live today, not a promise. Building that ourselves was never realistic. VerfiX made it a three-day project."— Chief Technology Officer, Helvetica Private Bank AG (illustrative)
| Metric | Before | After VerfiX Gateway |
|---|---|---|
| Avg EU client onboarding | 11 business days | 4 hours |
| AML screening time | 45–90 min (manual) | < 3 seconds (automated) |
| Document rejection rate | 28% | < 1% (guided capture) |
| Identity assurance | Scanned document copy | eIDAS High (cryptographic) |
| Cost per verified client | CHF 340 | CHF 28 |
One API. All of Europe. The highest assurance available.