Wallet Zai Iso a Disamba. Bankuna Za Su Karbe Shi Bayan Shekara Guda.

TL;DR. Dole ne kasashe mambobi su fitar da EU Digital Identity Wallet kafin Disamba 2026. Dole ne bankuna su karbe shi kafin Disamba 2027. Wannan giban wata goma sha biyu shi ne matsalar.

Mahimman Bayanai

Kwanaki Biyu, Gibi Daya. Fara daga jadawalin lokaci, saboda kusan duk wani kuskuren fahimtar wannan fayil yana zuwa ne daga hade kwanakin biyu zuwa daya.
Relying Party Matsayi ne na Doka, Ba Salon Hadewa Ba. Wannan ita ce ka'idar da aka fi tsallakewa a karatun fasaha, kuma ita ce ke bukatar shirye-shirye mafi tsawo.
Wallet Bai Soke Strong Customer Authentication Ba. Kuskuren da ke maimaituwa a shirye-shiryen farko shi ne zaton cewa karbar wallet ya maye gurbin tsarin tantancewa na PSD2.
Abin da Tabbatarwa Ba Ya Gaya Maka. Ga bangaren da koyaushe ke ba wa kungiyoyin identity mamaki, kuma ya kamata a fadi shi a fili.

Shekaru goma ke nan bankuna ke mallakar login. Cibiyar ce ke fitar da credential, ke gudanar da tantancewa, ke rike audit trail kuma ke yanke shawarar ma'anar "an tabbatar". European Digital Identity Regulation ya kawo karshen wannan tsari ba tare da ya taba fadin haka kai tsaye ba. Yana bukatar kowace kasa mamba ta samar wa 'yan kasa wallet kafin Disamba 2026, kuma yana bukatar bankuna — an ambace su bisa fanni, ba bisa hasashe ba — su karbi wannan wallet don strong user authentication kafin Disamba 2027. Tsakanin wadannan kwanaki biyu akwai shekara guda inda credential ke nan, abokan ciniki suna dauke da shi, amma wajibcin bai fara aiki ba. Yawancin cibiyoyi suna daukar wannan shekarar a matsayin sarari. Ita ce lokacin gina abin.

Takaitawa ga Shugabanni

Wannan doka ce da aka tabbatar, ba kamar yawancin fayilolin 2026 ba. Regulation (EU) 2024/1183 na aiki. Kwanakin suna cikin rubutun da aka amince da shi, ba a cikin shawarar da ake tattaunawa ba, wanda ya sa ya zama daya daga cikin 'yan shirye-shiryen da za a iya tsara wa da tabbaci.

Banki ya zama relying party. Wannan matsayi ne na doka da aka bayyana wanda ke dauke da wajibcin rijista. Shi ne tsarin shaida na farko inda dole banki ya bayyana, ga hukumar rijista ta jama'a, abin da yake son nema daga abokan ciniki.

Karba ba dabarar tantancewa ba ce. Wajibcin shi ne a karbi gabatarwar wallet idan mai amfani ya bayar. Abin da banki zai yi da tabbacin da ya samu — da yadda zai daidaita shi da nasa tsarin hadari — an bar shi ga banki.

Bangaren da ya fi wahala shi ne abin da ke faruwa bayan an tabbatar da credential. Gabatarwa mai inganci na fasahar boye-boye yana gaya maka mai rike shi shi ne wanda kasa ta ce. Ba ya gaya maka cewa shi ne wanda ya bude asusun a 2014.

Kwanaki Biyu, Gibi Daya

Fara daga jadawalin lokaci, saboda kusan duk wani kuskuren fahimtar wannan fayil yana zuwa ne daga hade kwanakin biyu zuwa daya.

Regulation (EU) 2024/1183 ya gyara asalin eIDAS Regulation, wato Regulation (EU) No 910/2014, kuma ya fara aiki a Mayu 2024. Ya ba Hukumar wa'adi ta fitar da implementing acts da ke bayyana yadda ake gina, tabbatarwa, yin rijista da amfani da wallet, kuma ya sanya wajibai biyu da ke tafiya a agogo daban-daban.

Na farko ya rataya kan kasashe mambobi. Kafin 24 Disamba 2026, dole kowanne ya samar da akalla European Digital Identity Wallet guda daya ga 'yan kasarsa da mazauna. Wajibcin samarwa ne: kasa, ko wani bangaren da ta nada, shi ke samar da wallet, kuma ba a caji mutane na halitta.

Na biyu ya rataya kan relying party. Kafin 24 Disamba 2027, a karkashin Article 5f, dole manyan da matsakaitan relying party da doka ko kwangila ke bukatar su yi amfani da strong user authentication don ganewa — kuma suna aiki a daya daga cikin fannonin da aka lissafa, wanda ya hada da banki da hidimomin kudi — su karbi wallet idan mai amfani ya nemi amfani da shi da radin kansa.

Wata goma sha biyu ne tsakanin su, kuma tsarin yana da muhimmanci. Credential ya fara zuwa. Wajibcin karbarsa ya zo bayan shekara guda.

Yawancin shirye-shiryen da na gani sun kafu kan kwanan wata na 2027, wanda karatu ne mai ma'ana na wa'adin bin doka amma mara kyau na ainihin hadarin. Daga Disamba 2026 zuwa gaba, abokan cinikin banki za su iya rike credential na shaidar dijital da kasa ta bayar wanda banki bai iya karantawa ba tukuna. Masu fafatawa da ke iya yin haka za su yi amfani da shi — don onboarding da ake aunawa da dakiku maimakon kwanaki, da kuma sake tantancewa da ke tsallake dora takardu gaba daya. Wa'adin shi ne 2027. Hadarin fafatawa yana farawa ne a 2026.

Relying Party Matsayi ne na Doka, Ba Salon Hadewa Ba

Wannan ita ce ka'idar da aka fi tsallakewa a karatun fasaha, kuma ita ce ke bukatar shirye-shirye mafi tsawo.

A karkashin Article 5b, bangaren da ke son dogara ga European Digital Identity Wallets dole ya yi rijista a kasar mamba inda aka kafa shi. Rijista ba shiga shafin masu shirye-shirye ba ne. Tana gane cibiyar, tana rubuta kasar mamba da aka kafa ta da lambar rijista, kuma — muhimmanci — tana rufe amfanin da aka nufa, ciki har da siffofin da relying party zai nema.

Sakamako uku ke biyowa, kuma babu daya daga cikinsu da ke matsalar injiniya.

Neman siffa ya zama matsayin da aka bayyana. Dole banki ya yanke shawara, tun da wuri kuma a rubuce, abin da zai nemi abokan ciniki su bayyana. "Duk abin da wallet zai ba mu" ba amsa ce da ake da ita ba. Data minimisation ya daina zama ka'idar da ofishin sirri ke fafutuka a kai kuma ya zama iyakar da rijista ta tsara.

Sauyin samfuri ya samu dogaro kan rijista. Sabuwar hanya da ke bukatar siffa a wajen iyakar da aka yi rijista da ita ba abu ne na sprint ba. Ko me ne ne saurin gudanarwar da ya bayyana a kowace kasa mamba, ba rana daya ba ce.

Bankunan da ke da hukumomi da yawa suna yin rijista a wurare fiye da guda. Cibiyar da aka kafa a kasashe mambobi da dama za ta yi mu'amala da hukumomin rijista da dama. An tsara wallet don ya zama na kan iyaka — wallet na Jamus yana aiki da relying party na Faransa — amma wajibcin rijista yana rataya ne kan wurin kafuwa, kuma tsarin kungiya shi ke tantance yawan tattaunawar.

Tebur 1: Inda banki ke tsaye kafin da bayan

Bangare	Shaidar da banki ke mallaka (yau)	EUDI Wallet (Article 5f)
Wa ke fitar da credential	Banki, bayan nasa onboarding	Kasa mamba ko mai samarwa da aka nada
Wa ke yanke shawarar ingancinsa	Banki, bisa nasa bayanai	Banki, bisa sa hannu da matsayin issuer
Abin da abokin ciniki ke sarrafawa	Kadan; banki ne ke rike alakar	Wadanne siffofi za a saki, a kowace gabatarwa
Abin da dole banki ya yi	Duk abin da sha'awar hadarinsa ke iya dauka	Karbi gabatarwa idan mai amfani ya nema
Sharadin shiga	Babu, sai dai nasa tsarin	Rijista a matsayin relying party a Article 5b
Kudin neman karin bayani	Shawarar samfuri ta cikin gida	Sauyi ga iyakar da aka yi rijista da ita

Wallet Bai Soke Strong Customer Authentication Ba

Kuskuren da ke maimaituwa a shirye-shiryen farko shi ne zaton cewa karbar wallet ya maye gurbin tsarin tantancewa na PSD2. Bai yi ba.

Strong customer authentication a karkashin Directive (EU) 2015/2366 da regulatory technical standards a Commission Delegated Regulation (EU) 2018/389 na ci gaba da mulkin yadda masu ba da hidimar biyan kudi ke tantance masu biya da ba da izinin ma'amaloli. Wajibcin Article 5f an dora shi a kan wannan, ba maye gurbinsa ba. Dole banki ya cika wajibansa na SCA; sannan dole ya karbi wallet idan abokin ciniki ya bayar da shi.

Don haka tambayar aiki ba "shin wallet ya maye gurbin abubuwan SCA namu" ba ce, sai dai "me gabatarwar wallet ke bayarwa ga tantancewa da ta bi SCA, kuma me ya rage mana mu yi da kanmu". Wannan tambaya ce ta gine-gine mai amsa ta gaskiya, kuma ya kamata a warware ta kafin wa'adin maimakon a lokacinsa, domin kayan aiki daban-daban ne suka tsara tsarin biyun don manufofi daban-daban kuma suna hadewa a cikin hidimar tantancewar ku.

Akwai tarko mai alaka a tsarin alhaki. A tsarin yanzu, banki ne ke fitar da credential don haka shi ke mallakar yawancin hanyoyin gazawa. A sabon tsarin, wani wuri ne ke fitar da credential kuma banki ne ke tabbatarwa. Gazawar tabbatarwa da ke bude kofa, matsayin sokewa na issuer da ya tsufa, ko maimaita gabatarwa duk hanyoyin gazawa ne da cibiyar ba ta da tarihi mai yawa a kansu, kuma rabon asara tsakanin mai samar da wallet, issuer da relying party shi ne irin tambayar da ake warware ta a hankali kuma da tsada bayan hatsari na farko.

Abin da Tabbatarwa Ba Ya Gaya Maka

Ga bangaren da koyaushe ke ba wa kungiyoyin identity mamaki, kuma ya kamata a fadi shi a fili.

Gabatarwar wallet tana ba da tabbacin fasahar boye-boye cewa hukuma abin dogaro ce ta bayar da wasu siffofi ga mai rike wallet, kuma mai rike shi na nan. Tana gaya maka, da babban tabbaci, cewa wannan mutumin shi ne wanda kasa ta ce.

Ba ta gaya maka cewa wannan mutumin shi ne abokin cinikin da ya bude asusun ba.

Ga onboarding, wannan bambancin ba shi da matukar muhimmanci — wallet ya kusa zama cikakke, kuma tabbatar da shaida da a yanzu ke bukatar dubawar takarda, gwajin rai da bita da hannu ya tattaru zuwa gabatarwa guda daya. Ga littafin abokan ciniki da ke akwai, yana da matukar muhimmanci. Hade shaidar dijital da kasa ta bayar da asusun da aka bude a 2014 bisa fasfo da ya kare, karkashin suna da wataƙila ya sauya, matsalar hade bayanai ce. Ita ce aikin entity resolution guda da open finance da shirye-shiryen bayanan abokan ciniki ke ci gaba da sake ganowa, kuma ba ya sauka saboda credential mai shigowa yana da kyawun fasahar boye-boye.

Cibiyoyin da ke daukar hadewar wallet a matsayin aikin tashar za su gina hanyar gabatarwa mai aiki sannan su gano cewa gazawar da ta fi ban sha'awa ita ce match rate bisa nasu customer master. Wannan aikin yana da doguwar shiri kuma ba shi da dogaro kan wani implementing act. Za a iya fara shi yanzu.

Tebur 2: Abin da aikin ginin ya kasu zuwa gare shi

Sashen aiki	Yana dogara kan wanzuwar wallet?	Za a iya fara yanzu
Rijistar relying party a kowace kasa mamba da aka kafa	Hukumar rijista tana aiki	Yanke shawarar iyakar siffofin da za a bayyana
Tabbatar da gabatarwa, trust list da sarrafa sokewa	Eh, don gwajin karshe zuwa karshe	Zabin ka'ida da tsarin hidima
Hade shaidar da aka tabbatar da bayanan abokin ciniki da ke akwai	A'a	Eh — wannan shi ne mafi tsawo
Daidaita karbar wallet da wajiban SCA	A'a	Eh
Alhaki, hatsari da warware takaddama kan credential da ba ka fitar ba	A'a	Eh
Bitar rage siffofi a hanyoyin da ke akwai	A'a	Eh

Hudu daga cikin shida ba sa jiran komai.

Littafin Aiki

Matakai shida, cikin tsarin da zan bi.

Ambaci mai alhakin. Wannan yana tsakanin identity, onboarding, biyan kudi da doka, wanda a yawancin bankuna ke nufin ba ya zama a ko'ina. Karbar wallet tana gazawa a matsayin shirin da aka rarraba.
Yanke shawarar iyakar siffofi kafin hukumar rijista ta tambaya. Rijista tana bayyana abin da za ka nema. Gano mafi karancin da ke tallafa wa hanyoyinka, domin ya fi sauki a fadada iyakar da aka bayyana da gangan fiye da a matse ta bayan bitar sirri.
Fara matsalar hadewa yanzu. Daidaita shaidar kasa da bayanan abokin ciniki da ke akwai shi ne sashen da ya fi tsawo kuma ya fi karancin dogaro. Shi ne kuma ke tantance ko karba za ta zama kwarewa mai kyau ko layin neman taimako.
Rubuta daidaitawar SCA. Rubuta yadda gabatarwar wallet ke mu'amala da abubuwan tantancewarku da ke akwai da inda tsarin ke hadewa. Yi shi a matsayin architecture decision record, ba slide ba.
Tsara hanyoyin gazawa da ba ku taba mallaka ba. Sokewar da ta tsufa, gazawar issuer, tabbatarwa da ke bude kofa. Ba ku ne kuka fitar da wannan credential ba; ku dauka cewa hanyoyin gazawar ba naku ba ne ku sarrafa kuma ku tsara daidai da haka.
Yi amfani da giban wata goma sha biyu da gangan. Wallet na aiki tun Disamba 2026. Ku dauki 2027 a matsayin shekarar gudanar da karfin, ba shekarar gina shi ba.

Bankuna sun shafe zamanin open banking suna koyon cewa hanyar sadarwa da doka ta wajabta ba kasafai take zama hanyar sadarwa kawai ba. Wannan darasin ne guda ke zuwa ta wata hanya. Cibiyoyin da za su karanta Article 5f a matsayin tikitin hadewa za su isar da hanyar gabatarwa mai bin doka a kan lokaci amma har yanzu ba za su iya amsa tambaya daya tak da ke da muhimmanci a kanti ba: shin mutumin da ke rike da wannan wallet shi ne mutumin da za ku bude wa asusu?

Tambayoyin da Ake Yawan Yi

Yaushe ne daidai dole banki ya karbi wallet?
Kafin 24 Disamba 2027 ga manyan da matsakaitan relying party da doka ko kwangila ke wajabta su yi amfani da strong user authentication kuma suke aiki a fannin da aka lissafa, wanda ya hada da banki da hidimomin kudi. Wajibcin daban kan kasashe mambobi na samar da akalla wallet guda daya yana gudana shekara guda kafin haka, har zuwa 24 Disamba 2026.

An tabbatar da wannan, ko kwanakin za su iya sauyawa?
Regulation (EU) 2024/1183 na aiki kuma kwanakin suna cikin rubutun da aka amince da shi ba a cikin shawarar da ake tattaunawa ba. Hakan ya sa ya fi karfi fiye da yawancin abin da bankuna ke tsara wa a yanzu, kuma daya daga cikin dalilan da ya sa wannan fayil ke ba da lada ga aikin da aka fara da wuri.

Karbar wallet na nufin za mu iya yin ritayar tantancewarmu?
A'a. Wajibcin shi ne a karbi gabatarwar wallet idan mai amfani ya nemi amfani da shi da radin kansa. Abokan cinikin da ba su da wallet, ko ba sa son amfani da shi, har yanzu suna bukatar hidima, kuma bukatun strong customer authentication na PSD2 na ci gaba da aiki ga hanyoyin biyan kudi ba tare da la'akari da komai ba.

Me rijistar Article 5b ke wajabta mana da gaske?
Yin rijista a kasar mamba inda aka kafa ku, gane cibiyar, da bayyana amfanin da aka nufa ciki har da siffofin da kuke son nema. Sakamakon aiki shi ne matsayinku na data minimisation ya zama rikodin jama'a da iyaka kan sauye-sauyen samfuri na gaba.

Ba a kafa mu a EU ba. Wannan ya kai gare mu?
Wajibcin karba a Article 5f yana rataya kan relying party da ke aiki a fannonin da aka lissafa cikin tsarin Kungiyar, kuma wajibcin rijista yana rataya kan kasar mamba da aka kafa. Tsarin kungiya da inda aka kafa kowace hukuma da ake sarrafawa shi ke tantance amsar, wanda tambaya ce ta doka da ya kamata a warware da wuri maimakon ta fasaha.

Me ya fi amfani a fara a wannan kwata?
Entity resolution tsakanin shaidar da kasa ta bayar da customer master naku da ke akwai. Ba shi da dogaro kan wallet, implementing acts ko hukumomin rijista, shi ne sashen da ya fi yiwuwa ya tantance ko karba za ta yi aiki a zahiri, kuma shi ne wanda babu wanda ke mallakarsa ta atomatik.

Manazarta

European Parliament and Council of the European Union, 2024. Regulation (EU) 2024/1183 amending Regulation (EU) No 910/2014 as regards establishing the European Digital Identity Framework. Brussels: Official Journal of the European Union. Available at: European Parliament and Council of the European Union, 2024..
European Commission, 2026. European Digital Identity Wallet. Brussels: Directorate-General for Communications Networks, Content and Technology. Available at: European Commission, 2026..
European Commission, 2026. EUDI Wallet Architecture and Reference Framework. Brussels: European Commission. Available at: European Commission, 2026..
European Parliament and Council of the European Union, 2015. Directive (EU) 2015/2366 on payment services in the internal market (PSD2). Brussels: Official Journal of the European Union. Available at: European Parliament and Council of the European Union, 2015..
European Commission, 2018. Commission Delegated Regulation (EU) 2018/389 supplementing Directive (EU) 2015/2366 with regard to regulatory technical standards for strong customer authentication. Brussels: Official Journal of the European Union. Available at: European Commission, 2018..
OpenID Foundation, 2026. OpenID for Verifiable Presentations. San Ramon: OpenID Foundation. Available at: OpenID Foundation, 2026..

Bita ta ƙarshe 2026-08-08.

Sake buga wannan labari

Wallet Zai Iso a Disamba. Bankuna Za Su Karbe Shi Bayan Shekara Guda. — Sebastien Rousseau

Dole ne kasashe mambobi su fitar da EU Digital Identity Wallet kafin Disamba 2026. Dole ne bankuna su karbe shi kafin Disamba 2027. Wannan giban wata goma sha biyu shi ne matsalar.

An lasisin wannan labari a karkashin Creative Commons Attribution 4.0 International. Sake bugawa na bukatar nuna asalin URL na asali.

Wallet Zai Iso a Disamba. Bankuna Za Su Karbe Shi Bayan Shekara Guda. — Sebastien Rousseau

Dole ne kasashe mambobi su fitar da EU Digital Identity Wallet kafin Disamba 2026. Dole ne bankuna su karbe shi kafin Disamba 2027. Wannan giban wata goma sha biyu shi ne matsalar.

Originally published at https://sebastienrousseau.com/ha/2026-08-01-eudi-wallet-eidas-2-banks-relying-party-2026/ by Sebastien Rousseau.
Licensed under CC-BY-4.0.

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