What I missed in Geneva..

GDC25 was a successful  milestone gathering.  Here’s what I hope will be addressed more visibly going forward:

1. Stronger EU Member State Leadership on Organisation Wallets

What I missed most was a more visible and vocal commitment from EU Member State governments — especially in enabling simple, high-impact credential flows through widely available organisation wallets.

The time for hesitation is over. Too many stakeholders — especially the doubters — are still waiting for clear signals and decisive leadership.

2. Mandatory Issuing & Verifying by Public Sector Units

Public administrations hold and need to exchange vast amounts of data. Making credential issuing and verifying mandatory should be the natural next step.

What could be the reason not to require this as soon as possible?

3. 🧩 Where Were the Organisation Wallet Suppliers?

The whole journey starts with the organisation wallet. I would have liked to see more suppliers — especially from the FIDES list of 25 — demonstrating interoperable solutions.

Whether embedded in ERP, HR or CRM, or connected via standard protocols, organisation wallets must make credential use seamless for both public and private actors.

The EU and Member States won't build these wallets — markets must deliver. But visibility and clarity are needed to accelerate confidence and adoption.

4. 👩‍💼 Supporting Micro-Enterprises with Practical Wallets

There are ~30 million micro-enterprises in Europe — often without back-end systems. My own company, Why-Advisory Oy, is one of them.

So what do I need? Credential from Tax confirming that taxes have been paid, domicile credential from Tax,  IBAN credential from my bank (e.g., Nordea’s demo in Findy workshop), ownership proof from Trade Registry, E-invoice address credential from my bank, proof-of-purchase credentials (AKA e-receipts from suppliers, merchants, hotels, restaurants, taxis, car rentals etc that I can automatically pass on to my accountant's wallet. From my employee's wallets I expect to get e-receipts for expenses and skill credentials when employing. Also other seldom needed ones - always in the same way. With the public sector, with suppliers, customers and staff - and their AI-agents.
Then I must be able to issue power-to-act credentials to staff, accountant, etc.

What kind of wallet fits this use case? A simple, cloud-based or mobile wallet — interoperable with issuers and verifiers across all sectors.
This should be a top topic at upcoming events — and naturally on the WeBuild agenda.

5. ⚖️ Urgency for Liability Capping Frameworks

Without clear liability capping, many smaller service providers and issuers will hesitate to proceed — understandably.

This must be openly and pragmatically discussed, not left vague or undefined.

6. 🤖 Bridging the AI Camp with ID-Wallet Realities

The AI community is moving fast — and often without fully understanding that ID-wallets and verifiable credentials are prerequisites for ethical and scalable use of AI-agents.

A new kind of trust infrastructure is needed — and AI must be built on it, not apart from it.

✏️ In Summary

None of this is meant as criticism — many of these topics may well have been discussed in sessions I couldn’t attend.
But going forward, we need to:

• Elevate the headline messages
• Sharpen the priorities
• Demand stronger leadership
• Get both  SMEs and large enterprises (- in Germany for 84,7 billion annual reasons) onboard..

The real work starts now.