Last Update: 13th of August 2025
The rapid evolution of digital assets and stablecoins is transforming the landscape of payments, remittances, and digital commerce. However, the adoption of these technologies faces challenges such as regulatory compliance, privacy protection, and cross-border interoperability.
This repository defines a reference specification for stablecoin transfers that aligns with European regulatory frameworks like MiCA, TFR, and AMLD6, while preserving user privacy through technologies like EUDI wallets, OIDC4VP, and SD-JWT. It introduces a secure and auditable architecture where verifiable identity data is cryptographically tied to digital asset transfers, ensuring both compliance and user sovereignty.
For further background and industry insights, see the article: The Future of Compliant Crypto in Europe – EUDI Wallets and Stablecoin Transfers.
This repository contains the specification for enabling crypto and stablecoin transfers (e.g., USDC, DAI, EVM-based stable assets) using an EUDI Wallet or equivalent non-custodial data wallet. The specification focuses on combining OIDC4VP, Verifiable Credentials (VCs), and digital asset transfers while ensuring compliance with EU regulations (e.g., MiCA, TFR, AMLD6) and data privacy (GDPR).
- Crypto and Stablecoin Transfers with EUDI Compliant Wallet – Full technical specification.
- Use Cases and Implementation Strategies – Practical scenarios and verifier strategy models.
- Privacy-preserving transfers using SD-JWT for selective disclosure and OIDC4VP for verifiable presentations.
- Multi-chain support: Ethereum, Etherlink, EVM-compatible chains, and other networks.
- Identity and Data transaction Integration Strategies: One step or orchestration.
- Regulatory compliance aligned with MiCA, AMLD6, DAC8, and eIDAS 2.0.
- Interoperability with open standards such as JWS, JWE, and DIF Presentation Exchange.
- Auditability and user consent with verifiable proofs, consent receipts, and traceable logs.
The first implementation of this specification is available through Altme.io, demonstrating real-world integration of EUDI crypto Wallets for stablecoin payments and compliance flows.
stablecoin_oidc4vp.md– Core technical specification.use_case_and_implementation_strategies_improved.md– Use cases and verifier implementation strategies.- Supporting documentation and images.
- Read the main specification document.
- Explore use cases and implementation strategies.
- Use this repository as a foundation for building compliant stablecoin transfer solutions with EUDI-compatible wallets.
This repository is provided for research and implementation guidance. Please review the individual document headers for licensing terms.