[Openid-dcp] [Openid-specs-fapi] EU Payment Wallet Standard(s) - Proposed W3C Community Group

[andrew melchior]

Hi Anders, hi Steffen,

I support the creation of this group and will join, initially as an
observer.

I also agree with Steffen on alignment. The EUDI Large Scale Pilots and the
OIDF Digital Credentials WG are already covering adjacent ground, and the
fastest way to lose momentum on infrastructure like this is to fragment it
across SDOs. A community group that explicitly maps and liaises with that
existing work, rather than duplicating it, would be the most useful version
of this.

The underlying problem Anders identifies is real and broader than payments.
We see the same pattern in content provenance the platform is open, but the
layer where value and trust actually live remains proprietary, and the gap
gets captured by a single vendor. Closing that gap with open,
vendor-neutral specifications is exactly what community groups are for.

Count me in.

Best regards,
Andrew Melchior


On Wed, 10 Jun 2026 at 10:14, steffen schwalm via
Openid-specs-digital-credentials-protocols <
openid-specs-digital-credentials-protocols at lists.openid.net> wrote:

> Hi all,
>
> thanks a lot for your initiative Anders. Since Large Scale Pilots on EUDI
> already work on the subject I strongly recommend alignment with them (since
> you Anders are as far as I know mit participate there). Since it's possibly
> related to Digital Credentials WG in OIDF also alignment there seems
> meaningful (possibly this might be better place for the standardization
> than W3C (
>
> As there's work already ongoing in different SDO we should avoid double
> work and explore this first.
>
> Thx & Best
> Steffen
>
> Anders Rundgren via Openid-specs-fapi <openid-specs-fapi at lists.openid.net>
> schrieb am Mi., 10. Juni 2026, 05:54:
>
>> As you may know, there are no open standards for payments wallets.
>> Example: Android is Open Source, but the Google wallet is not.  To cope
>> with this I have proposed a W3C community group:
>>
>> https://www.w3.org/community/blog/2026/06/09/proposed-group-payment-support-for-the-eu-digital-identity-wallet-community-group/
>>
>> The idea is collecting different aspects of payment wallets, possibly
>> even including standardization of certain parts.  To not start from square
>> one I have provided a few "candidate" solutions where the "push-through"
>> wallet concept probably is the most fundamental
>>
>> https://github.com/eu-digital-identity-wallet/eudi-doc-architecture-and-reference-framework/issues/388
>> since it closes the current gap between online and local payments as well
>> as between different account-based systems.
>>
>> Anyway, regardless if you only intend to be a "lurker" or a contributor,
>> I would be very happy if you supported the creation of this group!
>>
>> Thanx,
>> Anders Rundgren
>>
>> Decomposition of bank APIs:
>> https://github.com/cyberphone/open-banking-2.0#open-banking-20
>> e-Receipts
>> <https://github.com/cyberphone/open-banking-2.0#open-banking-20e-Receipts>:
>>
>> https://cyberphone.github.io/doc/defensive-publications/signed-e-receipts.pdf
>> Removing intermediaries:
>> https://www.linkedin.com/posts/andersrundgren_the-a2awallet-architecture-is-a-deal-done-activity-7463964458965422080--OJY
>>
>>
>>
>>
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