For entrepreneurs, Europe is often a single market… only on paper. It is enough to test to open a branch in another countest, to participate in a cross-border public tconcludeer or even just to provide a service across the border: the forms, certifications, proofs of identity and legal representation start again, often to be redone from scratch for each administration and for each interlocutor, without true cross-border interoperability. It is precisely here that the European Union is testing to insert a ‘missing piece’ of digitisation: a digital identity recognised and usable in all Member States also for businesses, not only for citizens.
The technical name is European Business Wallet, literally a ‘European digital wallet for businesses’. It comes as part of the reform package presented by the European Commission on 19 November 2025, toobtainher with the so-called Digital Omnibus, i.e. a set of measures designed to simplify several digital rules at once. The stated idea is to reduce bureaucracy and regulatory fragmentation and, above all, to cut administrative costs. In its simplification programme derived from the ‘Draghi Report’, the Commission indicates a simplification tarobtain of up to EUR 150 billion in annual savings for companies and a 25% reduction in administrative burdens by 2029 (up to 35% for SMEs).
It is not ‘another app’ but an interoperable legal identity, to which all documents, information, business-critical attributes can be attached. The Business Wallet is conceived as a trust infrastructure, i.e. a system that guarantees legal value to online interactions. In practice, it becomes a sort of digital wallet for legal entities and the professionals who represent them, with the possibility of exmodifying data, documents, and information online throughout Europe in a simple, automated, and secure manner with legal value.
There is also a detail that is often overviewed. In the European wallet ecosystem – a term that here does not indicate a single app, but a digital container governed by common standards – there is no ‘one app for all’. Several solutions, public or private, may coexist, as long as they respect the same standards. In other words, what counts is interoperability, i.e. the ability to be automatically recognised even outside one’s own countest.
This is also by virtue of the fact that among the functions expressly envisaged by the draft regulation is the Qualified Certified Electronic Delivery Service (SERCQ): identified as the trust service that transforms the Business Wallet into a communication channel with full legal value, for the first time standardised and interoperable throughout the Union, both in relations between companies and with public administrations. It will be particularly interesting in our countest to observe how Business Wallet and PEC, which is in the process of evolving into qualified PEC, will interact and enhance each other.
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