Certilia

What Certilia does

Certilia is the consumer-facing digital identity, electronic signature and digital wallet brand of AKD (Agencija za komercijalnu djelatnost d.o.o.), a Croatian state-owned company established in 1991 and 100% owned by the Republic of Croatia, operating from Zagreb with 11-50 employees dedicated to the digital business. The platform is a PKI-based trust services stack compliant with EU eIDAS Regulation 910/2014 and GDPR, offering qualified electronic signatures that carry the same legal force as handwritten signatures in Croatia and across the EU. Its product surface spans Certilia Doc (web-based document management and e-signing with multi-signatory workflows), mobileID (mobile-based qualified digital identity), Certilia Wallet (digital storage for passports, health cards, student IDs and Digital Travel Credentials), Certilia Web Sign and Portal (browser signing and account management), eSign API and Identity API for developers, Certilia Middleware for smart card integration, Certilia Card for business identification, and eVote for digital voting. The underlying infrastructure is backed by A-SIT certification and an extensive ISO compliance footprint including ISO 9001, ISO/IEC 27001, ISO 27017, ISO 27018, ISO 27701, ISO 37001 and SA 8000.

The business operates a hybrid go-to-market that combines digital self-service (websign.certilia.com, portal.certilia.com, developer.certilia.com, Android and iOS apps) with physical Registration Authority offices in Zagreb for in-person identity verification and certificate issuance. Revenue is generated from recurring subscriptions and issuance fees on qualified digital certificates for individuals and organisations, document signing service subscriptions, and developer API access, complemented by a freemium Identity API tier. Customer segments include individual Croatian citizens (B2C), Croatian enterprises — notably banks PBZ and ZABA, credit registry HROK, telecom T-com and IT firm King ICT — and government institutions, with deep integrations into national infrastructure run by the Ministry of Interior (MUP) for eOI issuance, HZZO for health cards, and Croatian universities for the X-ica digital student ID. Strategic differentiation rests on the exclusive regulatory position as a qualified trust service provider under EU eIDAS, A-SIT and ISO certifications, state-owned backing, and the privileged data integrations that enable wallet features competitors cannot easily replicate.

Name

Certilia

Legal name

Agencija za komercijalnu djelatnost proizvodno, uslužno i trgovačko d.o.o.

Website

https://certilia.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Certilia is the Croatian state-owned (via AKD) digital identity, qualified electronic signature and digital wallet platform, serving citizens, banks (PBZ, ZABA), telecom (T-com) and government via PKI services compliant with EU eIDAS.

Ownership category

akta.pro rank

Product category

Digital Identity and Trust Services

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Device Identity & Certificate-Based Authentication (PKI) (BPAMAEAL)

akta.pro secondary industry

Identity Verification (IDV) & Document Verification (FSAMALAE)

Keywords

• Digital identity
• Electronic signatures
• Qualified certificates
• PKI infrastructure
• Digital wallet

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Electronic Certificates: Revenue from issuing qualified digital certificates for electronic signatures and seals, both on smart cards and remote/cloud certificates. Certificates are issued to individuals and organizations through RA offices or online portals.
2. Document Signing Services: Digital document signing platform (Certilia Doc) enabling creation, sending, and electronic signing of documents with multiple signatories and real-time status tracking.
3. API Access: Developer API solutions (eSign API, Identity API) for integrating digital identity, electronic document signing, and digital voting into third-party applications.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels5 records

Core offering

Certilia provides a digital identity and electronic signature platform based on PKI infrastructure, issuing qualified certificates that carry the same legal force as handwritten signatures under EU eIDAS regulation. It offers mobile digital identity (mobileID), a digital wallet for personal documents (health cards, student IDs, digital travel credentials), browser-based and API-enabled electronic document signing (Certilia Doc, eSign API), and authentication services (Identity API) for individuals, businesses, and government institutions in Croatia.

Product overview

Certilia is a digital identity and electronic signature platform offering a comprehensive suite of products. The core offerings include Certilia Doc for digital document management and electronic signing, Certilia mobileID for mobile-based digital identity, Certilia Wallet for storing personal documents (health cards, student IDs, digital travel credentials), and Certilia Web Sign for browser-based signing. The Certilia Developer platform provides eSign API and Identity API for integrating signing and authentication into third-party applications. The product ecosystem also includes Certilia Middleware (desktop integration software for smart cards), eVote for digital voting, and supporting infrastructure through Certilia Portal for account management. The platform is available as both web-based and mobile applications for Android and iOS.

Differentiator

Problem solved

Functional benefit

Products and services

• Certilia Doc Digital document management system enabling creation, sending, and electronic signing of documents with support for multiple signatories with defined signing order and real-time status tracking, GDPR-compliant and offering LTA (Long Term Archival) signing level.
• Certilia mobileID Mobile application for secure digital identity management and document handling from mobile devices, providing mobile authentication and electronic signature capabilities.
• Certilia Wallet Secure storage and management of personal documents including digital travel credentials, health insurance cards, and student ID cards, accessible via the Certilia mobile application.
• eSign API API solution for fast and legally valid document signing integrated directly into third-party applications and business systems.
• Identity API Free authentication service enabling login to web and mobile applications within seconds using Certilia digital identity.
• eVote Secure and transparent digital voting platform with data protection and reliability, available to organizations needing digital elections or voting processes.
• Certilia Middleware Free software package integrating Certilia personal or corporate smart cards with computers for smart card authentication and electronic signing, available for Windows, Linux, and macOS.
• Kvalificirani potpis (Qualified Signature) Qualified digital certificate that confirms signer identity and ensures document integrity and immutability, with LTA (Long Term Archival) level, carrying the same legal force as handwritten signatures under EU eIDAS.
• Certilia Web Sign Web-based platform for electronic document signing accessible via browser, allowing users to create, send, and sign documents digitally with multiple signatories.
• Certilia Portal Customer portal for account management, certificate management, and mobile application activation.
• Certilia Card Digital business card for digital business operations, identification, and document signing, supporting both personal and corporate certificates on smart cards.

Quantifiable outcome

• Electronic signature with qualified certificate has same legal force as handwritten signature in Croatia and EU (EU Regulation 910/2014, Article 25)
• +1 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Five partnerships are on record, tiered core and minor.

• MUP (Ministry of Interior/Policija)coreStrategic or Co-development PartnerPartnership with Croatian Ministry of Interior for electronic identity card (eOI) issuance. MUP serves as the physical issuance point for eOI cards at police stations, and provides QR codes for quick activation of Certilia mobile application. Citizens can obtain QR activation codes when collecting new identity cards or request them at police stations for existing valid eOIs issued after August 2, 2021.
• HZZO (Croatian Health Insurance Fund)coreStrategic or Co-development PartnerIntegration with Croatian Health Insurance Fund for digital health insurance card functionality in the Certilia mobile wallet. Users can access their HZZO health insurance card digitally for pharmacy and doctor visits.
• Croatian Educational InstitutionscoreStrategic or Co-development PartnerIntegration with Croatian student information systems to enable digital student ID (X-ica) functionality in Certilia wallet. Students can use digital student cards for canteen purchases, track spending, and generate confirmation of student status.
• International Airport ZagrebminorStrategic or Co-development PartnerPilot project partner for Digital Travel Credential (DTC) usage at Zagreb International Airport for border crossing to/from non-Schengen countries. First pilot phase ran until March 31, 2024, with second phase planned for Q1 2026.
• FINA (Financial Agency)coreChannel Partner/ Reseller/ DistributorFINA qualified electronic certificates accepted as one of the identification methods for obtaining Certilia remote certificates. Users with FINA qualified electronic device can use this credential to request Certilia certificates through the online portal.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Evrotrust: Bulgarian-based qualified trust service provider with a mobile-first eIDAS signature and identity wallet, actively participating in EUDI Wallet pilots. Comparable in regulated-trust-services positioning and mobile wallet strategy.
• ID.me: US-based digital identity network providing identity verification and authentication APIs, including government-related identity flows. Comparable as an API-first identity platform, though operating under a different regulatory regime than Certilia's eIDAS scope.
• Verimi: German identity platform offering a reusable digital identity for login and eIDAS-compliant signatures. Comparable in providing identity-as-a-service APIs and wallet-style credentials, primarily in the DACH region.

Broad incumbents

• Adobe (Acrobat Sign): Adobe Acrobat Sign offers e-signature capabilities integrated into the Adobe Document Cloud. Competes broadly in e-signing but lacks Certilia's state-backed, eIDAS-qualified trust services positioning.
• DocuSign: Global leader in e-signature and contract lifecycle management. Competes with Certilia Doc in the broader e-signature category, though DocuSign is a broad incumbent rather than an eIDAS QTSP specialist.

Direct peers

• InfoCert: Italy's largest eIDAS-qualified trust service provider (part of the Tinexta group). Offers qualified e-signatures, digital identity, and PEC (certified email), with strong government and bank relationships — closely comparable to Certilia's state-anchored, regulated positioning.
• Namirial: Italian qualified trust service provider offering eIDAS-compliant e-signature, digital identity, and workflow solutions. Comparable in product scope (PKI, qualified certificates, e-signing APIs) and in serving both public-sector and enterprise customers.
• SK ID Solutions: Estonian state-influenced operator of the Smart-ID and e-Residency identity schemes. Directly comparable to Certilia as a national/eIDAS-rooted digital identity provider with a developer-facing authentication API.
• Signicat: Norway-headquartered pan-European digital identity and e-signature platform. Operates as a qualified trust service provider across multiple EU countries, offering eIDAS-compliant identity verification, e-signing, and identity APIs — directly comparable to Certilia's product set but at pan-EU scale.

Regional players

• A-Trust: Austrian qualified trust service provider offering eIDAS-compliant e-signature, citizen cards, and identity APIs. Comparable as a national-level eIDAS QTSP with similar government and citizen-services integration.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/certilia

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Certilia