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ECB concludes a framework agreement with Giesecke+Devrient, and its partners Nexi and Capgemini to deliver offline solution for the digital euro

3 octombrie 2025

Advancing the preparation of a digital euro, the European Central Bank (ECB) has announced the conclusion of the framework agreements for each of the five digital euro negotiated procurement procedures (also see tender results in the Official Journal of the European Union).

„A cooperation between Giesecke+Devrient (G+D) partnering with Nexi and Capgemini has now been selected as the first ranked tenderer in the framework agreement to provide an end-to-end solution to make digital euro payments offline available to users and merchants across Europe.” – according to the press release.

The ability to pay offline, with no third-party involvement, is a key feature of the digital euro, which would ensure privacy and resilience as only cash does today.

A digital euro, issued by the Eurosystem, would be a complement to banknotes and coins, intended to give citizens more freedom of choice when paying digitally in the future. Like cash, it would be available to everyone, at anytime and anywhere as a universally accessible means of payment in the euro area.

From the outset, the ECB defined an offline capability as an essential criterion for data privacy and resilience, ensuring payment experiences even in environments without internet connection or power supply. Money is stored directly on users’ devices, such as smartphones, cards and other compatible devices leveraging their secure elements. Payments are settled locally between devices, providing a cash-like privacy as no payment details are recorded by banks, payment service providers or central banks.

Following the completion of negotiated public procurement procedure PRO-009494 Digital Euro Offline Solution, the ECB has now concluded a framework agreement in ranking for the development, implementation and partial operation of the offline solution with a pan-European cooperation as the first-ranked tenderer, led by SecurityTech company G+D, partnering with payment service provider Nexi and global business and technology transformation partner Capgemini. The development refers to the design, definition and implementation of the component and its integration into the overall digital euro architecture. 

Following the framework agreement conclusion, G+D and other successful tenderers will work with the ECB to finalize planning and timelines. Under the guidance of the ECB Governing Council and in line with EU legislation, this work will cover the design, integration, and development of the Digital Euro Service Platform (DESP).The cooperation combines G+D’s SecurityTech expertise and global experience in public currencies, Capgemini’s leadership in technology consulting and digital transformation, and Nexi’s payment technology innovation leadership and POS expertise ensuring integration into the existing infrastructure.

We are proud to lead this pan-European cooperation, working together with our partners Nexi and Capgemini to bring the digital euro’s offline capabilities to life. This milestone underscores our commitment to innovation and security in digital payment solutions while preserving the privacy and resilience that citizens expect from cash. We are honoured to partner with the European Central Bank in shaping the future of public money for generations to come”, comments Dr. Wolfram Seidemann, CEO of G+D Currency Technology.

As we accelerate the digitization of payments across Europe, our ambition is to enable solutions that are not only innovative, but also resilient. We’re proud to contribute to the development of such an important part of the infrastructure for the digital euro leveraging our strength and knowledge within acceptance technology, that will help ensure seamless payments, also in situations where the terminal is offline”, comments Renato Martini, Digital Banking Solutions Director of Nexi Group. 

As part of an exclusive team, Capgemini has been selected, in its role as partner of Giesecke+Devrient, to support the ECB in developing the key interfaces and testing the offline functionalities of the digital euro. With in-depth development and testing expertise across various industries, we will ensure seamless implementation of the solutions. This assignment strengthens Capgemini’s position as a leading partner for digital transformation in the financial sector. We look forward to working with our valued partners Giesecke+Devrient and Nexi to develop a secure, user-centric and future-proof solution for European payments”, confirms Joachim von Puttkamer, Head of Capgemini’s Financial Services practice in Germany.

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About Giesecke+Devrient

Giesecke+Devrient (G+D) is a global SecurityTech company headquartered in Munich, Germany. G+D makes the lives of billions of people more secure. The company shapes trust in the digital age, with built-in security technology in three segments: Digital Security, Financial Platforms and Currency Technology.

G+D was founded in 1852 and today has a workforce of more than 14,000 employees. In the fiscal year 2024, the company generated a turnover of 3.1 billion euros. G+D is represented by 118 subsidiaries and joint ventures in 41 countries. 

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