THE NEXT GENERATION OF DIGITAL Client Cards

    Turn your loyalty programme into a trusted digital credential

    Loyalty cards are scattered across apps, plastic cards, emails and separate accounts. The European Digital Identity Wallet creates an opportunity to bring trusted loyalty credentials into a user-controlled digital wallet, so customers can receive, store and present selected loyalty attributes across participating services.

    • One reusable digital loyalty credential
    • Customer-controlled sharing of loyalty information
    • Verified membership and benefit status
    • Frictionless recognition across participating services
    • Less dependence on separate loyalty apps and cards
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    Loyalty is still fragmented across apps, cards and accounts

    Modern loyalty programmes are digital, but the underlying experience remains fragmented.

    Too many loyalty identities

    Customers collect cards and accounts across retailers, airlines, hospitality brands and platforms.

    Closed loyalty ecosystems

    Even when documents are digital, verification is not. Someone still has to check authenticity, validity, and source.

    Customers share too much

    Traditional loyalty journeys can require identifying information even when a service only needs proof of membership or eligibility.

    Benefits are hard to make portable
    Who is allowed to sign, approve, or act on behalf of a company is often difficult to verify quickly and reliably.

    An EUDI Wallet-based approach can create a new layer: trusted loyalty credentials that customers control and present when a participating service needs them.

    From loyalty cards to trusted digital credentials

    The EUDI Wallet framework supports user-controlled storage, presentation and selective disclosure of digital identity data and electronic attestations of attributes.

    A loyalty credential customers control

    Give customers a portable digital representation of membership, status or selected benefits.

    Selective disclosure

    Request only the attribute needed for a loyalty interaction, rather than an entire customer profile.

    Verified benefits and status

    Represent membership, tier or entitlement claims as digital credentials that can be authenticated.

    Interoperable loyalty journeys

    Design loyalty experiences around wallet-based credentials and common interfaces rather than one-off integrations.

    The loyalty journey in one view

    The Business Wallet acts as a secure digital trust layer between your organisation and the European market. It connects identity, credentials, authorisations, verification and transactions.

    Customer identity

    →

    Loyalty credential

    →

    Selective disclosure

    →

    Benefit verification

    →

    Loyalty experience

    The shift is from proving who you are to proving only what the loyalty interaction requires.

    What you can do with an EUDI Wallet loyalty credential

    Issue a trusted loyalty credential

    Create a digital credential representing a customer’s relationship with a loyalty programme.

    • Membership status
    • Customer number or pseudonymous identifier
    • Programme tier
    • Issue and validity information
    Outcome: Customers receive a reusable, verifiable loyalty credential.

    Let customers share the minimum information needed for a loyalty interaction.

    • Tier or membership status
    • Benefit eligibility
    • Relevant attribute where genuinely needed
    • Selected credential data
    Outcome: Less unnecessary disclosure and a clearer customer experience.
    Make decision-making power transparent and verifiable.
    • Signing authority
    • Mandates and delegations
    • Roles and responsibilities
    • Transaction-specific permissions
    Outcome: faster approvals and reduced legal uncertainty.
    Transform how you start and verify business relationships.
    • Customer onboarding
    • Supplier onboarding
    • KYC and due diligence
    • Automated verification flows
    Outcome: onboarding becomes a seamless digital experience.
    Bridge wallet credentials into stores, hospitality, travel and other real-world experiences.
    • QR or NFC interaction patterns
    • Online-to-offline journeys
    • Point-of-sale recognition
    • Staff verification flows
    Outcome: A wallet experience that works beyond a single app.
    Separate useful loyalty insights from unnecessary tracking and profiling.
    • Consent-aware data sharing
    • Purpose-limited requests
    • Transaction transparency
    • Privacy-preserving interaction design
    Outcome: Better alignment between loyalty value and user control.

    Want to explore what a wallet-based loyalty programme could look like in practice?

    Contact us

    A simple flow with a different kind of loyalty experience

    1

    Join

    The customer enrols and receives a digital loyalty credential.

    2

    Store

    The credential is held in the customer’s digital wallet under their control.

    3

    Present

    The customer chooses when to present relevant loyalty information.

    4

    Verify & reward

    The service validates the credential and applies the eligible benefit.

    Less friction for customers. More trustworthy loyalty interactions for businesses.

    Built for organisations rethinking loyalty

    An EUDI Wallet loyalty use case can be relevant wherever businesses need to recognise customers, validate eligibility or deliver benefits.

    • Retailers and marketplaces
    • Travel and hospitality
    • Events and venues
    • Financial services
    • Mobility providers
    • Consumer platforms​

    From loyalty strategy to an EUDI Wallet pilot

    The wallet is a new delivery mechanism, not a replacement for the loyalty proposition itself.

    Start with the loyalty proposition

    Identify the membership, benefit or status that creates the clearest customer value when represented digitally.

    Map the trust model

    Define who issues the credential, who verifies it, what information is requested and why.

    Design the customer journey

    Prototype enrolment, wallet storage, presentation, verification and benefit redemption.

    See how an EUDI Wallet loyalty experience could work for your organisation

    Map a practical loyalty use case, credential journey and pilot architecture around your existing programme.

    • Priority loyalty use cases
    • Credential and attribute design
    • Customer enrolment and wallet journey
    • Online and point-of-sale verification
    • Partner and ecosystem opportunities
    • Privacy and data-sharing considerations

    Frequently asked questions

    Is an EUDI Wallet a loyalty card?
    Not by itself. It is a personal digital wallet for identity data and electronic attestations of attributes. A loyalty programme could potentially issue or use a digital loyalty credential within that ecosystem.
    Does eIDAS 2.0 require businesses to issue loyalty cards?
    No. The Digital Identity Regulation establishes the European Digital Identity Wallet framework and capabilities. Loyalty is better described as a potential business use case, not a standalone loyalty-card obligation.
    What could a loyalty credential contain?
    Depending on the use case, it could represent membership status, programme tier or benefit eligibility. The exact data model should follow the purpose of the interaction and the minimum information needed.
    Can customers choose what they share?
    The EUDI Wallet framework is designed around user control and supports selective disclosure of information.
    Could this work across borders?
    The European Digital Identity Wallet framework is designed for cross-border interoperability. A loyalty use case would still depend on participating issuers, relying parties, technical integration and the credential model.
    When should businesses prepare?
    Start by identifying loyalty journeys where verified membership, benefit eligibility or portable credentials could create meaningful customer value, then assess the data, trust and integration requirements for a pilot.