The Nordic-Baltic eID Project (NOBID) focused on piloting payments and eID interoperability across Nordic, Baltic, and selected European partners (Denmark, Germany, Iceland, Italy, Latvia, and Norway). Its goal was to demonstrate how wallet-based identity and payment solutions can operate across borders through coordinated governance, cross-sector alignment, and practical testing of wallet–payment integration within the EUDI Wallet framework.

Organisational Interoperability

• Coordination among public authorities, financial institutions, and identity providers across six countries to ensure cross-border wallet and payment interoperability. → NOBID Consortium – “Wraps up successful pilot under the EUDI Wallet Programme”

• Establishment of a multi-country partnership that links national eID infrastructures with payment providers, enabling end-to-end testing across jurisdictions. → Poste Italiane – “NOBID Project: European Digital Identity Wallet for Payments”

• Participation in European coordination with other Large-Scale Pilots and ongoing dialogue with EC services to align testing scope. → ETSI–CEN Workshop presentation, Sept 2024

Legal Interoperability

• Integration of payment authorisation and identity verification workflows consistent with eIDAS and EU payments regulation frameworks. → Poste Italiane; NOBID Consortium site

• Legal coordination between public and private actors to align wallet onboarding and user consent processes under national regulatory regimes. → NOBID project descriptions, 2023–2024 press releases

• Inclusion of national supervisory authorities in pilot governance to address cross-border compliance and liability in wallet–payment flows. → NOBID press materials, 2024

Semantic Interoperability

• Identification of challenges in cross-border identity matching and semantic consistency of eID attributes between Nordic and Baltic countries. → Biometric Update – “Nordic and Baltic countries need better cross-border digital identity matching”

• Coordination on common attribute structures for wallet identifiers to support pan-European payments use cases. → NOBID Consortium GitHub – Payment Reference Documentation

• Exploration of harmonised terminology for credential roles and payment transaction metadata to ensure consistent wallet interpretation. → ETSI–CEN Workshop presentation, 2024)

Technical Interoperability

• Development of a Payment Reference Documentation repository containing workflow and API specifications for integrating payments into the EUDI Wallet. → NOBID GitHub – Payment Reference Documentation

• Implementation of wallet–issuer–verifier testing scenarios across national infrastructures to validate interoperability and scalability. → NOBID Consortium announcement, 2024

• Demonstration of technical integration in the EUDI Wallet Sandbox and participation in EC-led cross-pilot testing sessions. → ETSI–CEN Workshop presentation, 2024

Summary

NOBID demonstrated interoperability by connecting eID systems and payment infrastructures across several European countries under a shared pilot environment.
It focused on wallet-based payment authorisation, attribute harmonisation for identity matching, and testing of open technical specifications. 

NOBID highlights:

• Organisational interoperability through coordinated collaboration between national eID authorities, financial service providers, and government agencies across six countries.
• Legal interoperability by aligning wallet-based identity and payment authorisation workflows with eIDAS and EU payment regulations.
• Semantic interoperability via the definition of shared identity-matching approaches and wallet attribute models supporting cross-border payment use cases.
• Technical interoperability through the creation of open API specifications and workflow documentation for wallet payments, tested across multiple national infrastructures.

While the level of published material is limited, NOBID’s pilot activities operate within the common European interoperability framework underpinning all Large-Scale Pilots.

Notes

• NOBID Consortium. “NOBID wraps up successful pilot under the EUDI Wallet Programme.”
  https://www.nobidconsortium.com/nobid-wraps-up-successful-pilot-under-the-european-digital-identity-wallet-programme/

• Poste Italiane. “NOBID Project: European Digital Identity Wallet for Payments.”
  https://www.posteitaliane.it/en/nobid-project.html

• Biometric Update. “Nordic and Baltic countries need better cross-border digital identity matching.”
  https://www.biometricupdate.com/202405/nordic-and-baltic-countries-need-better-cross-border-digital-identity-matching-nobid

• NOBID GitHub Repository. “Payment Reference Documentation.”
  https://github.com/nobid-consortium/payment-reference-documentation

• ETSI–CEN Workshop (2024). “NOBID Presentation – Implementation and Pilots.”
  https://docbox.etsi.org/ESI/Open/workshops/202409_CEN_ETSI_Workshop/DAY1-2-55_NOBID_Presentation_ETSI_CEN_workshop_Jon_Olnes.pdf