世界银行：2026年数字钱包：一个新范式-用户中心化的数字身份、数据共享和支付的融合报告（英文版）

This document provides a conceptual and architectural framework for understanding digital wallets, verifiable credentials, and their role in transforming digital identity, data sharing, electronic signing, and digital payments. It is intended primarily for government decision-makers and practitioners seeking to design, regulate, or oversee wallet ecosystems, although many concepts are equally relevant for private-sector participants of these ecosystems - including financial institutions, trus