数字钱包：信任框架管理生态系统

Governing the Ecosystem © 2026 The World Bank 1818 H Street NW, Washington DC 20433Telephone: +1-202-473-1000; Internet: www.worldbank.org Some rights reserved. This work is a product of The World Bank. The findings, interpretations, and conclusions expressed in this work do notnecessarily reflect the views of the Executive Directors of The World Bank or the governments they represent. The World Bank does not guarantee the accuracy, completeness, or currency of the data included in this work and does notassume responsibility for any errors, omissions, or discrepancies in the information, or liability with respect to the use of orfailure to use the information, methods, processes, or conclusions set forth. The boundaries, colors, denominations, links/footnotes and other information shown in this work do not imply any judgment on the part of The World Bank concerning thelegal status of any territory or the endorsement or acceptance of such boundaries. The citation of works authored by othersdoes not mean the World Bank endorses the views expressed by those authors or the content of their works. Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of the privileges and immunitiesof The World Bank, all of which are specifically reserved. Rights and Permissions The material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, thiswork may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given. Attribution – Please cite the work as follows: “World Bank. 2026. Digital Wallets: Trust Frameworks – Governing the Ecosystem.Digital Wallet Policy Note Series, No. 2. © World Bank.” Any queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The WorldBank, 1818 H Street NW, Washington, DC 20433, USA; fax: +1-202-522-2625; e-mail:pubrights@worldbank.org. Digital Wallets:Trust Frameworks Governing the Ecosystem About Us This publication is developed by the Digital & AI Vice Presidency, WBG, withthe support of the Digital Public Infrastructure & Services Umbrella Multi-DonorTrust Fund (DPI TF). Digital Public Infrastructure (DPI) refers to the foundational digital buildingblocks—such as digital identity, data sharing, and digital payments—that enablegovernments and economies to deliver services at scale. DPI & Services TF aims to increase the adoption and productive use of safe,inclusive,and interoperable digital building blocks and digitally enabledservices. Operating as a One-World Bank effort, it mobilizes expertise acrossdigital transformation, social protection, health, financial inclusion, agriculture,governance, and education among others; and collaborates closely with ProjectFASTT on fast payment systems. The DPI & Services TF is based on three pillars: •Knowledge:generating evidence and translating standards into practicaltools;•Action:supporting country-level DPI strategies, safe and inclusive buildingblocks, and sectoral digital transformation; and•Convening:strengthening the global DPI community through peerlearning, standards alignment, and digital public goods. The work supported by the DPI TF is anchored in cross-cutting commitmentsto inclusion and gender equity, human-centric design, reusability through digitalpublic goods, safeguards, data protection, and evidence-based implementation. Building on the foundations laid by the ID4D-G2Px MDTF (2016-2026), the DPITF is structured around three workstreams: •The Identification for Development (ID4D) Initiativehelps countriesrealize the transformational potential of identification systems for theSustainable Development Goals, from foundational ID and civil registrationto next-generation digital identity and trust services. Its mission is to enableall people to access services and exercise their rights by improving theinclusivity, design, and governance of ID and trust service ecosystems.Learn more atid4d.worldbank.org. •The Digital Government-to-Person Payments(G2Px)Initiativetransforms G2P payments to accelerate financial inclusion, women’seconomic empowerment, resilience, and government efficiency. It helpscountriesmodernize their G2P ecosystems through recipient-centricframeworksand evidence-based guidance on sustainable,inclusivemodels. Learn more atwww.worldbank.org/g2px. •The Data Sharing workstream enables secure,interoperable,andprivacy-respecting data sharing across sectors at national scale, advancinghigh-value use cases and inclusive benefits. Our work is made possible thanks to the generous support of the GatesFoundation, UK International Development, French Government, NorwegianAgency for Development Cooperation, and Omidyar Network. Acknowledgments This policy note was authored by Christopher Tullis, Adam Cooper and DavidBlack, under the leadership of Stela Mocan. Excellent feedback and input wereprovided throughout the deve