Tag Archives: Wero

Wero 2026: Sovereignty at a Commercial Premium

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Just left a UBS webinar from the head of product for Wero and thought it would be a good time to update my July 2025 assessment of Wero as a “solution in search of a problem,”. The biggest change in Wero is the core infrastructure has transitioned from a voluntary service to a mandated utility. However, as the European Payments Initiative (EPI) attempts to scale, the project faces a fundamental conflict between political objectives and commercial unit economics.

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The Wero Wallet: A Solution in Search of a Problem?

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I’m a reluctant payment historian. Over my 30 yrs I’ve seen many payment projects come and go. The latest is the European Payment Initiative’s (EPI) new wallet, Wero. Billed as Europe’s homegrown answer to Visa and Mastercard, it carries the significant political weight of figures like ECB President Christine Lagarde, who frames it as a “march to independence”. While the political ambition is clear, I believe the business case is fundamentally flawed.

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