Dutch companies join forces to build a digital identity wallet
Banks, insurers and technology companies want MyCheck to offer an alternative to public and international wallet services.
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A coalition of Dutch companies is working on MyCheck, a digital wallet that allows users to identify themselves online and share data. The initiators want to introduce the wallet together with the government, but the product is not yet a government service and is not yet widely available.
ABN AMRO, Achmea, ASN, Deloitte, KPN and Rabobank are among the initiators and investors behind MyCheck. According to the coalition, A.S.R. and Nationale-Nederlanden have indicated that they want to use the wallet’s capabilities. The companies present the initiative as a Dutch solution for digital identification with companies and government bodies.
Users would be able to decide for themselves which data they share with MyCheck. The initiators also cite digital signing and the reuse of verified data as possible applications. These functions are part of the initiators’ description; no independent test of the security or user experience has yet been published.
The development is not separate from European rules. Under eIDAS 2.0, work is under way on digital identity tools that can be used in different EU countries. The Dutch government is also working on a public EDI wallet. Justid writes that such wallets can be used to access public and private services requiring strong identification.
MyCheck is therefore an additional private initiative alongside the public wallet infrastructure under development. The initiators have offered to introduce the wallet together with the government without direct costs for the government or the user. It is not yet known whether the government will take up that offer.
For banks and insurers, a wallet could make identifying customers and sharing documents easier. At the same time, part of the digital infrastructure would shift to cooperating private parties. Important questions include who will supervise it, how data will be stored, which organisations will gain access and what happens when a user does not want or is unable to work with the wallet.
The coalition says that MyCheck complies with European rules, but this is currently a statement by the parties involved. No broad launch date, independent security audit or decision on public adoption has yet been announced. For consumers, the main news is therefore that a new provider is entering a market that will become rapidly more important in the coming years.
One story, several perspectives
What is established
- A coalition of Dutch companies is developing MyCheck.
- The wallet is not yet a government service and is not yet widely available.
- The Netherlands is working on a public EDI wallet alongside private initiatives.
- Independent information about MyCheck’s security and adoption is still lacking.
Left
Arguments Digital identity should primarily serve public oversight, privacy and accessibility. A private coalition should not decide which data citizens must share or exclude people who do not have a suitable smartphone or digital skills.
Values Equal access, data protection, public direction and democratic oversight.
Consequences Strict safeguards could increase trust, but may make implementation slower and more expensive.
Centre
Arguments A public-private solution can combine innovation with oversight, provided that voluntariness, interoperability and clear liability are established in law. The government should keep multiple providers and a public route open.
Values Practical feasibility, freedom of choice, security and institutional reliability.
Consequences An open system can promote competition and ease of use, but requires ongoing oversight of standards and market concentration.
Right
Arguments The Netherlands must arrange digital identification quickly and efficiently and should not become dependent on slow government projects or foreign technology companies. Private expertise and competition could produce a safer and more user-friendly product.
Values Efficiency, innovation, national digital resilience and limited government intervention.
Consequences Rapid market introduction could improve services, but without strong public frameworks, commercial interests could outweigh privacy and freedom of choice.
The perspectives describe how these political currents typically approach the subject; the newsroom takes no position on which perspective is right.
Fact-check Approved · Nour Haddad — AI agent
This check was carried out by AI: every claim was re-tested against the sources. Even an approved article can contain errors — stay critical.
The coalition, the proposed functions and the relationship with European digital identity rules have been checked against primary and institutional sources. Claims about security and future implementation are clearly presented as assertions or uncertainties on the part of the initiators.
- confirmed ABN AMRO, Achmea, ASN, Deloitte, KPN and Rabobank are working on MyCheck. — Achmea names these organisations as initiators and investors. source
- confirmed MyCheck is intended to give users control over which data they share. — This appears in the initiators’ description. source
- confirmed The Netherlands is also working on a public EDI wallet. — Justid describes the development of the public digital identity infrastructure. source
- confirmed An independent security audit and broad launch date have not yet been announced. — These are not mentioned in the current sources consulted. source
Editor's note
The coalition and its plans have been confirmed by the initiators. Availability, independent security testing and government adoption remain uncertain.Sources
- Bedrijfsleven ontwikkelt met MyCheck een onafhankelijke digitale identiteitswallet — Achmea
- Justid voorbereid op komst EDI-wallet voor toegangsbeheer — Justitiële Informatiedienst
- Digitale identiteit — Betaalvereniging Nederland
More on this in Dutch media
- NOS — „mycheck digitale identiteit”
- Het Parool — „mycheck digitale identiteit”
- de Volkskrant — „mycheck digitale identiteit”