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

[andrew melchior]

Hi Steffen,

Fair point, and thank you for the correction. I used “trust layer” loosely
where ETSI has it well covered.
What I meant is the gap between an open specification and an open
implementation. Both can conform to the same standards while the deployed
wallet remains proprietary, which is the situation Anders described. That
implementation gap, rather than any new trust services work, seems to me
the legitimate scope for the group.

Best regards,
Andrew

On Wed, 10 Jun 2026 at 10:29, steffen schwalm <
schwalm.steffen at googlemail.com> wrote:

> Hi Andrew,
>
> the trust layer is standardized in ETSI,  no need for redundancy.
>
> Best
> Steffen
>
> andrew melchior <andrew at genotone.com> schrieb am Mi., 10. Juni 2026,
> 10:21:
>
>> 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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>>>>
>>> --
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>>>
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>>
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