This document describes a reference architecture for modern agile digital enterprises. This reference architecture offers a logical architecture based on a disaggregated cloud-based model that can be instantiated to create an effective and agile approach for digital enterprises, deployed in private, public or hybrid cloud environments. In this paper we present the architecture, the approach to applying this architecture, and existing approaches that fit into this architecture. The architecture defined in this paper can be mapped to current architectures as well as used to define new architectures. It is designed to help move from the “as-is” towards the “to-be”.