messages.md

layout	page
title	TAP Messages
permalink	/messages/

Transaction Authorization Protocol (TAP) Message Types and Data Structures

Table of Contents

• Common DIDComm Message Structure
• Transaction Message
  • Transfer
  • Payment
  • Escrow
• Authorization Flow Messages
  • AuthorizationRequired
  • Authorize
  • Settle
  • Reject
  • Cancel
  • Revert
  • Capture
• Participant Management Messages
  • UpdateAgent
  • UpdateParty
  • AddAgents
  • ReplaceAgent
  • RemoveAgent
• Relationship proofs
  • ConfirmRelationship
• Policy messages
  • UpdatePolicies
• Connection Messages
  • Connect
  • AuthorizationRequired
• Data Elements
  • Party
  • Invoice
  • Agent
  • Policy
    • RequirePresentation
    • RequirePurpose
    • RequireAuthorization
    • RequireRelationshipConfirmation
• Message Flow Examples
  • Basic Transfer Flow
  • Same-VASP Transfer with Multiple DIDs
  • Cross-VASP Transfer with Shared Wallet Provider
  • Transfer with LEI and Purpose Code
  • Payment Request Flow

Introduction

This document defines the message types and data structures used in the Transaction Authorization Protocol (TAP). All messages follow the DIDComm Messaging specification and use JSON-LD for data representation. See TAIP-2.

Common DIDComm Message Structure

All TAP messages follow the DIDComm v2 message structure with these common attributes:

Attribute	Type	Required	Description
id	string	Yes	Unique message identifier (UUIDv4)
type	string	Yes	Message type URI in the https://tap.rsvp/taips/N namespace
from	string	Yes	DID of the sender
to	array	Yes	Array of recipient DIDs
thid	string	No	Thread identifier (defaults to id if not provided)
pthid	string	No	Parent thread identifier
body	object	Yes	Message payload as JSON-LD
created_time	number	Yes	Unix timestamp of message creation
expires_time	number	No	Unix timestamp when message expires

Transaction Message

Transfer

TAIP-3 - Review

Initiates a virtual asset transfer between parties.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-3)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-3)	JSON-LD type "https://tap.rsvp/schema/1.0#Transfer"
asset	string	Yes	Review (TAIP-3)	CAIP-19 identifier of the asset
amount	string	Yes	Review (TAIP-3)	Decimal amount of the asset
originator	Party	No	Review (TAIP-3)	Party for the sender
beneficiary	Party	No	Review (TAIP-3)	Party for the recipient
agents	array of Agent	Yes	Review (TAIP-3)	Array of Agents
settlementId	string	No	Review (TAIP-3)	CAIP-220 identifier of settlement transaction
memo	string	No	Review (TAIP-3)	Human readable message about the transfer
purpose	string	No	Draft (TAIP-13)	ISO 20022 purpose code indicating the reason for the transfer
categoryPurpose	string	No	Draft (TAIP-13)	ISO 20022 category purpose code for high-level classification
expiry	string	No	Review (TAIP-3)	ISO 8601 datetime indicating when the transfer request expires
policies	array of Policy	No	Review (TAIP-3)	Array of policy objects defining requirements for the transaction

Examples

Simple first-party transfer

This example demonstrates agents with and without the optional role parameter.

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "from": "did:web:originator.vasp",
  "to": ["did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "originator": {
      "@id": "did:web:originator.sample"
    },
    "amount": "1.23",
    "agents": [
      {
        "@id": "did:web:originator.sample",
        "for": "did:web:originator.sample"
      },
      {
        "@id": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
        "role": "SettlementAddress"
      }
    ]
  }
}

Third-party transfer with LEI

{
  "id": "123e4567-e89b-12d3-a456-426614174001",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "body": {
    "@context": {
      "@vocab": "https://tap.rsvp/schema/1.0",
      "lei": "https://schema.org/leiCode"
    },
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "amount": "1.23",
    "originator": {
      "@id": "did:org:acmecorp",
      "@type": "https://schema.org/Organization",
      "lei:leiCode": "3M5E1GQKGL17HI8CPN20",
      "name": "ACME Corporation"
    },
    "beneficiary": {
      "@id": "did:eg:alice",
      "@type": "https://schema.org/Person"
    },
    "agents": [
      {
        "@id": "did:web:originator.vasp",
        "@type": "https://schema.org/Organization",
        "for": "did:org:acmecorp",
        "role": "CustodialService",
        "name": "Originator VASP Services",
        "url": "https://originator.vasp",
        "description": "Licensed Virtual Asset Service Provider",
        "email": "compliance@originator.vasp"
      },
      {
        "@id": "did:web:beneficiary.vasp",
        "for": "did:eg:alice",
        "role": "CustodialService"
      }
    ]
  }
}

Payment

TAIP-14 - Review

Initiates a payment request from a merchant to a customer.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-14)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-14)	JSON-LD type "https://tap.rsvp/schema/1.0#Payment"
asset	string	No	Review (TAIP-14)	CAIP-19 identifier of the asset to be paid. Either asset OR currency is required.
currency	string	No	Review (TAIP-14)	ISO 4217 currency code for fiat amount. Either asset OR currency is required.
amount	string	Yes	Review (TAIP-14)	Amount requested in the specified asset or currency
supportedAssets	array	No	Review (TAIP-14)	Array of CAIP-19 asset identifiers, DTI identifiers, or pricing objects that can be used to settle a fiat currency amount. Supports both simple strings and pricing objects with amount and optional expiration for non-1:1 exchange rates.
fallbackSettlementAddresses	array	No	Review (TAIP-14)	Array of alternative settlement addresses in either CAIP-10 or RFC 8905 format for redundancy
invoice	object or string	No	Review (TAIP-14, TAIP-16)	Invoice object as defined in TAIP-16 or URI to an invoice document
expiry	string	No	Review (TAIP-14)	ISO 8601 timestamp when the request expires
merchant	Party	Yes	Review (TAIP-14)	Party for the merchant (beneficiary)
customer	Party	No	Review (TAIP-14)	Party for the customer (originator)
agents	array of Agent	Yes	Review (TAIP-14)	Array of agents involved in the payment request
policies	array of Policy	No	Review (TAIP-14)	Array of policy objects defining requirements that must be satisfied by the customer's agent

Examples

Simple crypto payment request

{
  "id": "123e4567-e89b-12d3-a456-426614174014",
  "type": "https://tap.rsvp/schema/1.0#Payment",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:customer.vasp"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Payment",
    "asset": "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
    "amount": "100.00",
    "merchant": {
      "@id": "did:web:merchant.vasp",
      "name": "Example Store",
      "mcc": "5812"
    },
    "invoice": "https://example.com/invoice/123",
    "agents": [
      {
        "@id": "did:web:merchant.vasp",
        "for": "did:web:merchant.vasp",
        "role": "CustodialService"
      }
    ]
  }
}

Fiat payment request with supported assets and required presentation

{
  "id": "123e4567-e89b-12d3-a456-426614174015",
  "type": "https://tap.rsvp/schema/1.0#Payment",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:customer.vasp"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Payment",
    "currency": "USD",
    "amount": "50.00",
    "supportedAssets": [
      "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
      "eip155:1/erc20:0x6B175474E89094C44Da98b954EedeAC495271d0F"
    ],
    "merchant": {
      "@id": "did:web:merchant.vasp",
      "name": "Example Store"
    },
    "expiry": "2024-04-21T12:00:00Z",
    "invoice": {
      "id": "INV001",
      "issueDate": "2023-02-15",
      "currencyCode": "USD",
      "lineItems": [
        {
          "id": "1",
          "description": "Widget A",
          "quantity": 2,
          "unitCode": "EA",
          "unitPrice": 20.00,
          "lineTotal": 40.00
        }
      ],
      "total": 40.00,
      "subTotal": 40.00,
      "dueDate": "2023-03-15",
      "paymentTerms": "Net 30"
    },
"agents": [
      {
        "@id": "did:web:merchant.vasp",
        "for": "did:web:merchant.vasp",
        "policies": [
          {
            "@type": "RequirePresentation",
            "@context": ["https://schema.org/Person"],
            "fromAgent": "originator",
            "aboutParty": "originator",
            "presentationDefinition": "https://tap.rsvp/presentation-definitions/email/v1"
          }
        ]
      }
    ]
  }
}

Payment with fallback settlement addresses

{
  "id": "123e4567-e89b-12d3-a456-426614174016",
  "type": "https://tap.rsvp/schema/1.0#Payment",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:customer.vasp"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Payment",
    "currency": "EUR",
    "amount": "250.00",
    "supportedAssets": [
      "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
      "eip155:137/erc20:0x2791Bca1f2de4661ED88A30C2A8A6b5E7C54fD3A"
    ],
    "fallbackSettlementAddresses": [
      "eip155:137:0x8B5e7A2C3f4D1E6F9A0b3C5e7D9f1A2B4C6E8F0A",
      "payto://iban/DE89370400440532013000",
      "payto://sepa/DE75512108001245126199"
    ],
    "merchant": {
      "@id": "did:web:merchant.vasp",
      "name": "Digital Goods Store",
      "url": "https://digitalgoods.example.com",
      "logo": "https://digitalgoods.example.com/logo.svg",
      "description": "Leading marketplace for digital assets and NFTs",
      "email": "support@digitalgoods.example.com",
      "telephone": "+1-555-0123",
      "mcc": "5734"
    },
    "expiry": "2025-07-30T14:30:00Z",
    "agents": [
      {
        "@id": "did:web:merchant.vasp",
        "for": "did:web:merchant.vasp"
      },
      {
        "@id": "did:web:merchant-psp",
        "for": "did:web:merchant.vasp"
      }
    ]
  }
}

Cross-currency payment with pricing objects

{
  "id": "01234567-89ab-cdef-0123-456789abcdef",
  "type": "https://tap.rsvp/schema/1.0#Payment",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:customer.vasp"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Payment",
    "currency": "USD",
    "amount": "100.00",
    "supportedAssets": [
      "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
      {
        "asset": "EUR", 
        "amount": "92.50",
        "expires": "2025-09-05T15:30:00Z"
      },
      {
        "asset": "eip155:1/erc20:0x2260FAC5E5542a773Aa44fBCfeDf7C193bc2C599",
        "amount": "0.0025",
        "expires": "2025-09-05T15:15:00Z"
      }
    ],
    "fallbackSettlementAddresses": [
      "payto://iban/DE75512108001245126199"
    ],
    "merchant": {
      "@id": "did:web:merchant.vasp",
      "name": "Global Marketplace"
    },
    "expiry": "2025-09-05T16:00:00Z",
    "agents": [
      {
        "@id": "did:web:merchant.vasp",
        "for": "did:web:merchant.vasp"
      }
    ]
  }
}

Exchange

[TAIP-18] - Draft

Requests a quote for exchanging assets between different types or chains. Enables cross-asset quotes (e.g., USDC to EURC, USD to USDC).

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft ([TAIP-18])	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft ([TAIP-18])	JSON-LD type "https://tap.rsvp/schema/1.0#Exchange"
fromAssets	array of string	Yes	Draft ([TAIP-18])	Available source assets (CAIP-19, DTI, or ISO-4217 currency codes)
toAssets	array of string	Yes	Draft ([TAIP-18])	Desired target assets (CAIP-19, DTI, or ISO-4217 currency codes)
fromAmount	string	No	Draft ([TAIP-18])	Amount of source asset to exchange. Either fromAmount or toAmount must be provided
toAmount	string	No	Draft ([TAIP-18])	Amount of target asset desired. Either fromAmount or toAmount must be provided
requester	Party	Yes	Draft ([TAIP-18])	Party requesting the exchange
provider	Party	No	Draft ([TAIP-18])	Optional preferred liquidity provider. When omitted, Exchange can be broadcast to multiple providers
agents	array of Agent	Yes	Draft ([TAIP-18])	Array of agents involved in the exchange request
policies	array of Policy	No	Draft ([TAIP-18])	Optional compliance or presentation requirements

Example

{
  "id": "exchange-request-123",
  "type": "https://tap.rsvp/schema/1.0#Exchange",
  "from": "did:web:wallet.example",
  "to": ["did:web:lp.example"],
  "created_time": 1719226800,
  "expires_time": 1719313200,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Exchange",
    "fromAssets": ["eip155:1/erc20:0xA0b86991c6218b36c1d19d4a2e9eb0ce3606eb48"],
    "toAssets": ["eip155:1/erc20:0xB00b00b00b00b00b00b00b00b00b00b00b00b00b"],
    "fromAmount": "1000.00",
    "requester": {
      "@id": "did:web:business.example",
      "@type": "https://schema.org/Organization",
      "name": "Example Business"
    },
    "provider": {
      "@id": "did:web:liquidity.provider",
      "@type": "https://schema.org/Organization",
      "name": "LP Corp"
    },
    "agents": [
      {
        "@id": "did:web:wallet.example",
        "for": "did:web:business.example",
        "role": "requester"
      },
      {
        "@id": "did:web:lp.example",
        "for": "did:web:liquidity.provider",
        "role": "provider"
      }
    ]
  }
}

Quote

[TAIP-18] - Draft

Response to an Exchange request providing pricing and terms. Sent by liquidity providers or orchestrators with specific rates.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft ([TAIP-18])	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft ([TAIP-18])	JSON-LD type "https://tap.rsvp/schema/1.0#Quote"
fromAsset	string	Yes	Draft ([TAIP-18])	Source asset for the exchange (CAIP-19, DTI, or ISO-4217 currency code)
toAsset	string	Yes	Draft ([TAIP-18])	Target asset for the exchange (CAIP-19, DTI, or ISO-4217 currency code)
fromAmount	string	Yes	Draft ([TAIP-18])	Amount of source asset to be exchanged
toAmount	string	Yes	Draft ([TAIP-18])	Amount of target asset to be received
provider	Party	Yes	Draft ([TAIP-18])	Liquidity provider party information
agents	array of Agent	Yes	Draft ([TAIP-18])	Array of agents involved in the quote
expiresAt	string	Yes	Draft ([TAIP-18])	ISO 8601 timestamp when quote expires

Example

{
  "id": "quote-456",
  "type": "https://tap.rsvp/schema/1.0#Quote",
  "from": "did:web:lp.example",
  "to": ["did:web:wallet.example"],
  "thid": "exchange-request-123",
  "created_time": 1719226850,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Quote",
    "fromAsset": "eip155:1/erc20:0xA0b86991c6218b36c1d19d4a2e9eb0ce3606eb48",
    "toAsset": "eip155:1/erc20:0xB00b00b00b00b00b00b00b00b00b00b00b00b00b",
    "fromAmount": "1000.00",
    "toAmount": "908.50",
    "provider": {
      "@id": "did:web:liquidity.provider",
      "@type": "https://schema.org/Organization",
      "name": "LP Corp"
    },
    "agents": [
      {
        "@id": "did:web:wallet.example",
        "for": "did:web:business.example",
        "role": "requester"
      },
      {
        "@id": "did:web:lp.example",
        "for": "did:web:liquidity.provider",
        "role": "provider"
      }
    ],
    "expiresAt": "2025-07-21T00:00:00Z"
  }
}

Escrow

[TAIP-17] - Draft

Requests an agent to hold assets in escrow on behalf of parties, enabling payment guarantees and asset swaps.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft ([TAIP-17])	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft ([TAIP-17])	JSON-LD type "https://tap.rsvp/schema/1.0#Escrow"
asset	string	No	Draft ([TAIP-17])	CAIP-19 identifier for the specific cryptocurrency asset. Either asset OR currency must be present
currency	string	No	Draft ([TAIP-17])	ISO 4217 currency code for fiat-denominated escrows. Either asset OR currency must be present
amount	string	Yes	Draft ([TAIP-17])	Amount to be held in escrow (decimal string)
originator	Party	Yes	Draft ([TAIP-17])	Party whose assets will be placed in escrow
beneficiary	Party	Yes	Draft ([TAIP-17])	Party who will receive the assets when released
expiry	string	Yes	Draft ([TAIP-17])	ISO 8601 timestamp after which the escrow automatically expires
agreement	string	No	Draft ([TAIP-17])	URL or URI referencing the terms and conditions of the escrow
agents	array of Agent	Yes	Draft ([TAIP-17])	Array of agents involved in the escrow. Exactly one agent MUST have role "EscrowAgent"

Examples

Payment guarantee escrow

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "type": "https://tap.rsvp/schema/1.0#Escrow",
  "from": "did:web:merchant.example",
  "to": ["did:web:paymentprocessor.example"],
  "created_time": 1719226800,
  "expires_time": 1719313200,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Escrow",
    "asset": "eip155:1/erc20:0xa0b86991c6218b36c1d19d4a2e9eb0ce3606eb48",
    "amount": "100.00",
    "originator": {
      "@id": "did:eg:customer"
    },
    "beneficiary": {
      "@id": "did:web:merchant.example"
    },
    "expiry": "2025-06-25T00:00:00Z",
    "agreement": "https://merchant.example/order/12345/terms",
    "agents": [
      {
        "@id": "did:web:merchant.example",
        "for": "did:web:merchant.example"
      },
      {
        "@id": "did:web:paymentprocessor.example",
        "role": "EscrowAgent"
      },
      {
        "@id": "did:web:customer.wallet",
        "for": "did:eg:customer"
      }
    ]
  }
}

Fiat currency escrow

{
  "id": "789e0123-e89b-12d3-a456-426614174003",
  "type": "https://tap.rsvp/schema/1.0#Escrow",
  "from": "did:web:marketplace.example",
  "to": ["did:web:escrow.bank"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Escrow",
    "currency": "USD",
    "amount": "500.00",
    "originator": {
      "@id": "did:eg:buyer"
    },
    "beneficiary": {
      "@id": "did:eg:seller"
    },
    "expiry": "2025-07-01T00:00:00Z",
    "agreement": "https://marketplace.example/purchase/98765",
    "agents": [
      {
        "@id": "did:web:marketplace.example",
        "for": "did:eg:seller"
      },
      {
        "@id": "did:web:buyer.bank",
        "for": "did:eg:buyer"
      },
      {
        "@id": "did:web:escrow.bank",
        "role": "EscrowAgent"
      }
    ]
  }
}

Authorization Flow Messages

AuthorizationRequired

TAIP-4 - Review

An agent can require that an end user opens up an authorization URL in a web browser or app before proceeding with the transaction. An agent may require this to ensure that the end user authorizes a payment.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-4)	JSON-LD type "https://tap.rsvp/schema/1.0#AuthorizationRequired"
authorizationUrl	string	Yes	Review (TAIP-4)	URL where the user can authorize the transaction
expires	string	Yes	Review (TAIP-4)	ISO 8601 timestamp when the authorization URL expires
from	string	No	Review (TAIP-4)	Optional party type (e.g., "customer", "principal", or "originator") that is required to open the URL

Note: The message refers to the original Transfer or Payment message via the DIDComm thid (thread ID) in the message envelope.

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174001",
  "type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
    "authorizationUrl": "https://beneficiary.vasp/authorize?request=abc123",
    "expires": "2024-01-01T12:00:00Z",
    "from": "customer"
  }
}

Authorize

TAIP-4 - Review

Approves a transaction after completing compliance checks.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-4)	JSON-LD type "https://tap.rsvp/schema/1.0#Authorize"
settlementAddress	string	No	Review (TAIP-4)	Optional settlement address in either CAIP-10 or RFC 8905 format
settlementAsset	string	No	Review (TAIP-4)	Optional CAIP-19 identifier for the settlement asset
amount	string	No	Review (TAIP-4)	Optional decimal amount authorized of the settlementAsset
expiry	string	No	Review (TAIP-4)	ISO 8601 datetime indicating when the authorization expires

Note: The message refers to the original Transfer message via the DIDComm thid (thread ID) in the message envelope.

Examples

Authorization with blockchain address

{
  "id": "123e4567-e89b-12d3-a456-426614174002",
  "type": "https://tap.rsvp/schema/1.0#Authorize",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Authorize",
    "settlementAddress": "eip155:1:0x742d35Cc6634C0532925a3b844Bc9e7595f1234"
  }
}

Authorization with bank transfer address (RFC 8905)

{
  "id": "123e4567-e89b-12d3-a456-426614174003",
  "type": "https://tap.rsvp/schema/1.0#Authorize",
  "from": "did:web:beneficiary.bank",
  "to": ["did:web:originator.bank"],
  "thid": "123e4567-e89b-12d3-a456-426614174001",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Authorize",
    "settlementAddress": "payto://iban/DE75512108001245126199",
    "expiry": "2024-01-01T12:00:00Z"
  }
}

Settle

TAIP-4 - Review

Confirms the on-chain settlement of a transfer.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-4)	JSON-LD type "https://tap.rsvp/schema/1.0#Settle"
settlementAddress	string	Yes	Review (TAIP-4)	Destination address of the transaction in either CAIP-10 or RFC 8905 format
settlementId	string	No	Review (TAIP-4)	Optional CAIP-220 identifier of the settlement transaction on a blockchain
amount	string	No	Review (TAIP-4)	Optional settled amount, must be less than or equal to the original amount. If a Authorize message specified an amount, this must match that value.

Note: The message refers to the original Transfer or Payment message via the DIDComm thid (thread ID) in the message envelope.

Examples

Blockchain settlement

{
  "id": "123e4567-e89b-12d3-a456-426614174006",
  "type": "https://tap.rsvp/schema/1.0#Settle",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Settle",
    "settlementAddress": "eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
    "settlementId": "eip155:1:tx/0x3edb98c24d46d148eb926c714f4fbaa117c47b0c0821f38bfce9763604457c33"
  }
}

Bank transfer settlement

{
  "id": "123e4567-e89b-12d3-a456-426614174007",
  "type": "https://tap.rsvp/schema/1.0#Settle",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Settle",
    "settlementAddress": "payto://iban/DE75512108001245126199",
    "amount": "1000.00"
  }
}

Example with amount field:

{
  "id": "123e4567-e89b-12d3-a456-426614174008",
  "type": "https://tap.rsvp/schema/1.0#Settle",
  "from": "did:web:customer.vasp",
  "to": ["did:web:merchant.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174014",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Settle",
    "settlementId": "eip155:1:tx/0x3edb98c24d46d148eb926c714f4fbaa117c47b0c0821f38bfce9763604457c33",
    "amount": "95.50"
  }
}

Reject

TAIP-4 - Review

Rejects a proposed transfer.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-4)	JSON-LD type "https://tap.rsvp/schema/1.0#Reject"
reason	string	Yes	Review (TAIP-4)	Reason for rejection

Note: The message refers to the original Transfer message via the DIDComm thid (thread ID) in the message envelope.

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174003",
  "type": "https://tap.rsvp/schema/1.0#Reject",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Reject",
    "reason": "Beneficiary account is not active"
  }
}

Cancel

TAIP-4 - Review

Terminates an existing transaction or connection. When used with transactions, it signals a voluntary termination by one of the parties. When used with connections, it terminates the ongoing relationship.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-4)	JSON-LD type "https://tap.rsvp/schema/1.0#Cancel"
by	string	Yes	Review (TAIP-4)	The party of the transaction wishing to cancel it (e.g., "originator" or "beneficiary" for Transfer messages)
reason	string	No	Review (TAIP-4)	Human readable reason for cancellation

Example Cancel Message

{
  "id": "fedcba98-e89b-12d3-a456-426614174004",
  "type": "https://tap.rsvp/schema/1.0#Cancel",
  "from": "did:example:vasp",
  "to": ["did:example:b2b-service"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "created_time": 1516269025,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Cancel",
    "by": "originator",
    "reason": "user_requested"
  }
}

Revert

TAIP-4 - Review

Requests a reversal of a settled transaction. This could be part of a dispute resolution, post-transaction compliance checks, or other reasons. The reversal request can be Settled, Authorized, Rejected, or simply ignored by other agents.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-4)	JSON-LD type "https://tap.rsvp/schema/1.0#Revert"
settlementAddress	string	Yes	Review (TAIP-4)	Settlement address to return funds to in either CAIP-10 or RFC 8905 format
reason	string	Yes	Review (TAIP-4)	Human readable message describing why the transaction reversal is being requested

Note: The message refers to the original Transfer message via the DIDComm thid (thread ID) in the message envelope.

Examples

Blockchain revert request

{
  "id": "123e4567-e89b-12d3-a456-426614174005",
  "type": "https://tap.rsvp/schema/1.0#Revert",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Revert",
    "settlementAddress": "eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
    "reason": "Insufficient Originator Information"
  }
}

Bank transfer revert request

{
  "id": "123e4567-e89b-12d3-a456-426614174008",
  "type": "https://tap.rsvp/schema/1.0#Revert",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Revert",
    "settlementAddress": "payto://iban/DE75512108001245126199",
    "reason": "Compliance check failed - missing required documentation"
  }
}

Capture

[TAIP-17] - Draft

Authorizes the release of escrowed funds to the beneficiary. Only agents acting for the beneficiary can send this message.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft ([TAIP-17])	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft ([TAIP-17])	JSON-LD type "https://tap.rsvp/schema/1.0#Capture"
amount	string	No	Draft ([TAIP-17])	Amount to capture (decimal string). If omitted, captures full escrow amount. Must be ≤ original amount
settlementAddress	string	No	Draft ([TAIP-17])	Blockchain address for settlement. If omitted, uses address from earlier Authorize

Note: The message refers to the original Escrow message via the DIDComm thid (thread ID) in the message envelope.

Examples

Full capture

{
  "id": "capture-123",
  "type": "https://tap.rsvp/schema/1.0#Capture",
  "from": "did:web:merchant.example",
  "to": ["did:web:paymentprocessor.example"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Capture",
    "settlementAddress": "eip155:1:0x742d35Cc6634C0532925a3b844Bc9e7595f1234"
  }
}

Partial capture

{
  "id": "capture-456",
  "type": "https://tap.rsvp/schema/1.0#Capture",
  "from": "did:web:merchant.example",
  "to": ["did:web:paymentprocessor.example"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Capture",
    "amount": "95.00",
    "settlementAddress": "eip155:1:0x742d35Cc6634C0532925a3b844Bc9e7595f1234"
  }
}

Participant Management Messages

UpdateAgent

TAIP-5 - Review

Updates information about an agent.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-5)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-5)	JSON-LD type "https://tap.rsvp/schema/1.0#UpdateAgent"
agent	Agent	Yes	Review (TAIP-5)	Updated Agent

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174007",
  "type": "https://tap.rsvp/schema/1.0#UpdateAgent",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#UpdateAgent",
    "agent": {
      "@id": "did:web:originator.vasp",
      "for": "did:eg:bob",
      "role": "CustodialService"
    }
  }
}

UpdateParty

TAIP-6 - Review

Updates information about a party.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-6)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-6)	JSON-LD type "https://tap.rsvp/schema/1.0#UpdateParty"
party	Party	Yes	Review (TAIP-6)	Updated Party

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174008",
  "type": "https://tap.rsvp/schema/1.0#UpdateParty",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": {
      "@vocab": "https://tap.rsvp/schema/1.0",
      "lei": "https://schema.org/leiCode"
    },
    "@type": "https://tap.rsvp/schema/1.0#UpdateParty",
    "party": {
      "@id": "did:eg:alice",
      "lei:leiCode": "5493001KJTIIGC8Y1R12",
      "name": "Alice Corp Ltd"
    }
  }
}

AddAgents

TAIP-5 - Review

Adds one or more additional agents to the transaction.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-5)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-5)	JSON-LD type "https://tap.rsvp/schema/1.0#AddAgents"
agents	array of Agent	Yes	Review (TAIP-5)	Array of Agents to add to the transaction

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174009",
  "type": "https://tap.rsvp/schema/1.0#AddAgents",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#AddAgents",
    "agents": [
      {
        "@id": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
        "for": "did:web:beneficiary.vasp",
        "role": "SettlementAddress"
      }
    ]
  }
}

ReplaceAgent

TAIP-5 - Review

Replaces an agent with another agent in the transaction.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-5)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-5)	JSON-LD type "https://tap.rsvp/schema/1.0#ReplaceAgent"
original	string	Yes	Review (TAIP-5)	DID of the Agent to be replaced
replacement	Agent	Yes	Review (TAIP-5)	Agent to replace the original agent

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174010",
  "type": "https://tap.rsvp/schema/1.0#ReplaceAgent",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#ReplaceAgent",
    "original": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
    "replacement": {
      "@id": "did:pkh:eip155:1:0x5678a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
      "for": "did:web:beneficiary.vasp",
      "role": "SettlementAddress"
    }
  }
}

RemoveAgent

TAIP-5 - Review

Removes an agent from the transaction.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-5)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-5)	JSON-LD type "https://tap.rsvp/schema/1.0#RemoveAgent"
agent	string	Yes	Review (TAIP-5)	DID of the Agent to be removed

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174011",
  "type": "https://tap.rsvp/schema/1.0#RemoveAgent",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#RemoveAgent",
    "agent": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb"
  }
}

Relationship proofs

ConfirmRelationship

TAIP-9 - Draft

Confirms a relationship between an agent and the entity it acts on behalf of. Can include cryptographic proof via CACAO signatures for self-hosted wallets.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft (TAIP-9)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft (TAIP-9)	JSON-LD type "https://tap.rsvp/schema/1.0#ConfirmRelationship"
body	Agent	Yes	Draft (TAIP-9)	Agent containing the relationship details
attachments	array	No	Draft (TAIP-9)	Optional array containing at most one CAIP-74 message for cryptographic proof

The body object must contain:

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft (TAIP-9)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft (TAIP-9)	JSON-LD type "https://tap.rsvp/schema/1.0#Agent"
@id	string	Yes	Draft (TAIP-9)	DID of the agent
for	string	Yes	Draft (TAIP-9)	DID of the entity the agent acts on behalf of
role	string	No	Draft (TAIP-9)	Role of the agent in the transaction

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174012",
  "type": "https://tap.rsvp/schema/1.0#ConfirmRelationship",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Agent",
    "@id": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
    "for": "did:web:beneficiary.vasp",
    "role": "SettlementAddress"
  },
  "attachments": [
    {
      "id": "proof-1",
      "media_type": "application/json",
      "data": {
        "json": {
          "h": "eth-personal-sign",
          "s": "0x...", // CACAO signature
          "p": "I confirm that this wallet (0x1234...fcdb) is controlled by did:web:beneficiary.vasp",
          "t": "2024-03-07T12:00:00Z"
        }
      }
    }
  ]
}

ConfirmRelationship Message Examples

1. Confirm Settlement Address with CACAO Proof

{
  "id": "confirm-rel-123",
  "type": "https://tap.rsvp/schema/1.0#ConfirmRelationship",
  "from": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#ConfirmRelationship",
    "@id": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
    "for": "did:web:beneficiary.vasp",
    "role": "SettlementAddress"
  },
  "attachments": [
    {
      "id": "proof-1",
      "media_type": "application/json",
      "data": {
        "json": {
          "h": "eth-personal-sign",
          "s": "0x4b688df40bcedbe641ddb52926c971c4f3715a9b5bd0055e0d83659a45c0fc9f7e4979547f179f5880b66684081ac5e32a39a404d33f6cf7b3271e619a97c2f81c",
          "p": "I confirm that this wallet (0x1234...fcdb) is controlled by did:web:beneficiary.vasp",
          "t": "2024-03-07T12:00:00Z"
        }
      }
    }
  ]
}

2. Confirm Custodial Relationship

{
  "id": "confirm-rel-124",
  "type": "https://tap.rsvp/schema/1.0#ConfirmRelationship",
  "from": "did:web:custodian.service",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#ConfirmRelationship",
    "@id": "did:web:custodian.service",
    "for": "did:web:beneficiary.vasp",
    "role": "CustodialService"
  }
}

Connect Message Examples

1. B2B Service Connection Request

{
  "id": "connect-123",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:example:b2b-service",
  "to": ["did:example:vasp"],
  "created_time": 1516269022,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "Connect",
    "requester": {
      "@id": "did:example:business-customer",
      "name": "Business Customer"
    },
    "principal": {
      "@id": "did:example:business-customer",
      "name": "Business Customer"
    },
    "agents": [
      {
        "@id": "did:example:b2b-service",
        "name": "B2B Payment Service",
        "serviceUrl": "https://b2b-service/did-comm",
        "for": "did:example:business-customer"
      }
    ],
    "constraints": {
      "purposes": ["BEXP", "SUPP"],
      "categoryPurposes": ["CASH", "CCRD"],
      "limits": {
        "per_transaction": "10000.00",
        "per_day": "50000.00",
        "currency": "USD"
      },
      "allowedBeneficiaries": [
        {
          "@id": "did:example:vendor-1",
          "name": "Approved Vendor 1"
        },
        {
          "@id": "did:example:vendor-2", 
          "name": "Approved Vendor 2"
        }
      ],
      "allowedSettlementAddresses": [
        "eip155:1:0x742d35Cc6e4dfE2eDFaD2C0b91A8b0780EDAEb58",
        "eip155:1:0x89abcdefabcdefabcdefabcdefabcdefabcdef12"
      ],
      "allowedAssets": [
        "eip155:1/slip44:60",
        "eip155:1/erc20:0xA0b86a33E6441b7178bb7094b2c4b6e5066d68B7"
      ]
    }
  }
}

2. Merchant Connection Request

{
  "id": "connect-124",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:web:psp.agent",
  "to": ["did:web:payment.provider"],
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "Connect",
    "requester": {
      "@id": "did:web:merchant.vasp",
      "name": "Example Store"
    },
    "principal": {
      "@id": "did:web:merchant.vasp",
      "name": "Example Store"
    },
    "agents": [
      {
        "@id": "did:web:psp.agent",
        "name": "PSP Agent",
        "for": "did:web:merchant.vasp"
      }
    ],
    "constraints": {
      "purposes": ["RCPT"],
      "categoryPurposes": ["EPAY"],
      "limits": {
        "per_transaction": "5000.00",
        "per_day": "25000.00",
        "currency": "USD"
      },
      "allowedAssets": [
        "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
        "eip155:1/erc20:0x6B175474E89094C44Da98b954EedeAC495271d0F"
      ]
    }
  }
}

AuthorizationRequired Message Examples

1. Interactive Authorization Required

{
  "id": "auth-req-123",
  "type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:b2b-service"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
    "authorizationUrl": "https://beneficiary.vasp/authorize?request=abc123",
    "expires": "2024-03-22T15:00:00Z"
  }
}

2. Authorization Required with Custom Portal

{
  "id": "auth-req-124",
  "type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
  "from": "did:web:payment.provider",
  "to": ["did:web:merchant.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
    "authorizationUrl": "https://payment.provider/merchant/onboard?id=xyz789",
    "expires": "2024-03-22T15:00:00Z"
  }
}

Policy messages

UpdatePolicies

TAIP-7 - Review

Updates policies for a transaction.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-7)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Review (TAIP-7)	JSON-LD type "https://tap.rsvp/schema/1.0#UpdatePolicies"
policies	array of Policy (RequirePresentation or RequirePurpose)	Yes	Review (TAIP-7)	Array of Policy

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174013",
  "type": "https://tap.rsvp/schema/1.0#UpdatePolicies",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#UpdatePolicies",
    "policies": [
      {
        "@type": "RequirePresentation",
        "@context": ["https://schema.org/Person"],
        "fromAgent": "originator",
        "aboutParty": "originator",
        "presentationDefinition": "https://tap.rsvp/presentation-definitions/ivms-101/eu/tfr"
      },
      {
        "@type": "RequirePurpose",
        "fromAgent": "originator",
        "fields": ["purpose", "categoryPurpose"]
      }
    ]
  }
}

Connection Messages

Connect

TAIP-15 - Draft

Requests a connection between agents with specified constraints.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft (TAIP-15)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft (TAIP-15)	JSON-LD type "https://tap.rsvp/schema/1.0#Connect"
requester	Party	Yes	Draft (TAIP-15)	Party object representing the party requesting the connection
principal	Party	Yes	Draft (TAIP-15)	Party object representing the party the requesting agent acts on behalf of
agents	array	Yes	Draft (TAIP-15)	Array of agent objects involved in the connection process
constraints	object	Yes	Draft (TAIP-15)	Transaction constraints for the connection (see constraints table)
expiry	string	No	Draft (TAIP-15)	ISO 8601 datetime indicating when the connection request expires
agreement	string	No	Draft (TAIP-15)	URL or identifier of terms agreed to by the principal

Transaction Constraints

The constraints object defines the boundaries and permissions for transactions performed through an established connection:

Attribute	Type	Required	Status	Description
purposes	array	No	Draft (TAIP-15)	Array of TAIP-13 purpose codes that are allowed
categoryPurposes	array	No	Draft (TAIP-15)	Array of TAIP-13 category purpose codes that are allowed
limits	object	No	Draft (TAIP-15)	Financial limits for transactions
limits.per_transaction	string	No	Draft (TAIP-15)	Maximum amount per transaction
limits.per_day	string	No	Draft (TAIP-15)	Maximum daily total
limits.per_week	string	No	Draft (TAIP-15)	Maximum weekly total
limits.per_month	string	No	Draft (TAIP-15)	Maximum monthly total
limits.per_year	string	No	Draft (TAIP-15)	Maximum yearly total
limits.currency	string	Yes*	Draft (TAIP-15)	ISO 4217 currency code (*required if limits are specified)
allowedBeneficiaries	array	No	Draft (TAIP-15)	Array of TAIP-6 Party objects representing approved payment recipients
allowedSettlementAddresses	array	No	Draft (TAIP-15)	Array of [CAIP-10] addresses permitted for settlement
allowedAssets	array	No	Draft (TAIP-15)	Array of [CAIP-19] asset identifiers that can be transacted

Example Connect Message

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:example:b2b-service",
  "to": ["did:example:vasp"],
  "created_time": 1516269022,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Connect",
    "requester": {
      "@id": "did:example:business-customer",
      "name": "Business Customer"
    },
    "principal": {
      "@id": "did:example:business-customer",
      "name": "Business Customer"
    },
    "agents": [
      {
        "@id": "did:example:b2b-service",
        "name": "B2B Payment Service",
        "serviceUrl": "https://b2b-service/did-comm",
        "for": "did:example:business-customer"
      }
    ],
    "constraints": {
      "purposes": ["BEXP", "SUPP"],
      "categoryPurposes": ["CASH", "CCRD"],
      "limits": {
        "per_transaction": "10000.00",
        "per_day": "50000.00",
        "currency": "USD"
      },
      "allowedBeneficiaries": [
        {
          "@id": "did:example:vendor-1",
          "name": "Approved Vendor 1"
        },
        {
          "@id": "did:example:vendor-2", 
          "name": "Approved Vendor 2"
        }
      ],
      "allowedSettlementAddresses": [
        "eip155:1:0x742d35Cc6e4dfE2eDFaD2C0b91A8b0780EDAEb58",
        "eip155:1:0x89abcdefabcdefabcdefabcdefabcdefabcdef12"
      ],
      "allowedAssets": [
        "eip155:1/slip44:60",
        "eip155:1/erc20:0xA0b86a33E6441b7178bb7094b2c4b6e5066d68B7"
      ]
    },
    "agreement": "https://example.com/terms/v2.1"
  }
}

AuthorizationRequired

TAIP-15 - Draft

Provides an authorization URL for interactive connection approval.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft (TAIP-15)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft (TAIP-15)	JSON-LD type "https://tap.rsvp/schema/1.0#AuthorizationRequired"
authorizationUrl	string	Yes	Draft (TAIP-15)	URL where the customer can review and approve the connection
expires	string	Yes	Draft (TAIP-15)	ISO 8601 timestamp when the authorization URL expires

Example AuthorizationRequired Message

{
  "id": "98765432-e89b-12d3-a456-426614174001",
  "type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
  "from": "did:example:vasp",
  "to": ["did:example:b2b-service"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "created_time": 1516269023,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
    "authorizationUrl": "https://vasp.com/authorize?request=abc123",
    "expires": "2024-03-22T15:00:00Z"
  }
}

Connection Flow Example

This flow demonstrates establishing a connection between a B2B service and a VASP, followed by using that connection for a transaction:

1. Initial connection request
2. Interactive authorization
3. Connection approval
4. Using the connection for a transfer

1. Connect Request

{
  "id": "connect-123",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:example:b2b-service",
  "to": ["did:example:vasp"],
  "created_time": 1516269022,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Connect",
    "requester": {
      "@id": "did:example:business-customer",
      "name": "Business Customer"
    },
    "principal": {
      "@id": "did:example:business-customer",
      "name": "Business Customer"
    },
    "agents": [
      {
        "@id": "did:example:b2b-service",
        "name": "B2B Payment Service",
        "serviceUrl": "https://b2b-service/did-comm",
        "for": "did:example:business-customer"
      }
    ],
    "constraints": {
      "purposes": ["BEXP", "SUPP"],
      "categoryPurposes": ["CASH", "CCRD"],
      "limits": {
        "per_transaction": "10000.00",
        "per_day": "50000.00",
        "currency": "USD"
      },
      "allowedBeneficiaries": [
        {
          "@id": "did:example:vendor-1",
          "name": "Approved Vendor 1"
        }
      ],
      "allowedSettlementAddresses": [
        "eip155:1:0x742d35Cc6e4dfE2eDFaD2C0b91A8b0780EDAEb58"
      ],
      "allowedAssets": [
        "eip155:1/slip44:60",
        "eip155:1/erc20:0xA0b86a33E6441b7178bb7094b2c4b6e5066d68B7"
      ]
    }
  }
}

2. Authorization Required Response

{
  "id": "98765432-e89b-12d3-a456-426614174001",
  "type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
  "from": "did:example:vasp",
  "to": ["did:example:b2b-service"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "created_time": 1516269023,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#AuthorizationRequired",
    "authorizationUrl": "https://vasp.com/authorize?request=abc123",
    "expires": "2024-03-22T15:00:00Z"
  }
}

3. Connection Authorization

{
  "id": "abcdef12-e89b-12d3-a456-426614174002",
  "type": "https://tap.rsvp/schema/1.0#Authorize",
  "from": "did:example:vasp",
  "to": ["did:example:b2b-service"],
  "thid": "123e4567-e89b-12d3-a456-426614174000",
  "created_time": 1516269024,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Authorize"
  }
}

4. Using the connection for a transfer

{
  "id": "transfer-123",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "from": "did:example:b2b-service",
  "to": ["did:example:vasp"],
  "pthid": "connect-123",
  "created_time": 1516269024,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "amount": "1.23",
    "originator": {
      "@id": "did:example:business-customer"
    },
    "agents": [
      {
        "@id": "did:example:b2b-service",
        "principal": {
          "@id": "did:example:business-customer"
        }
      },
      {
        "@id": "did:example:vasp"
      }
    ]
  }
}

Self-Onboarding Connect Example

In self-onboarding scenarios, the agent and principal can be the same entity (e.g., a VASP onboarding itself):

{
  "id": "self-onboard-456",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:example:wallet-service",
  "to": ["did:example:vasp"],
  "created_time": 1516269025,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Connect",
    "requester": {
      "@id": "did:example:wallet-service",
      "name": "Wallet Service Provider"
    },
    "principal": {
      "@id": "did:example:wallet-service",
      "name": "Wallet Service Provider"
    },
    "agents": [
      {
        "@id": "did:example:wallet-service",
        "name": "Wallet Service Provider",
        "serviceUrl": "https://wallet-service.com/did-comm",
        "for": "did:example:wallet-service"
      }
    ],
    "constraints": {
      "purposes": ["CASH", "CGOO", "GSRV"],
      "categoryPurposes": ["CASH", "CCRD", "CDCD"],
      "limits": {
        "per_transaction": "50000.00",
        "per_day": "250000.00",
        "currency": "USD"
      },
      "allowedAssets": [
        "eip155:1/slip44:60",
        "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
        "eip155:1/erc20:0x6B175474E89094C44Da98b954EedeAC495271d0F"
      ]
    },
    "agreement": "https://wallet-service.com/terms-of-service/v3.0"
  }
}

Cancel

TAIP-4 - Review

Terminates an existing connection.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft (TAIP-4)	JSON-LD context "https://tap.rsvp/schema/1.0"
@type	string	Yes	Draft (TAIP-4)	JSON-LD type "https://tap.rsvp/schema/1.0#Cancel"
by	string	Yes	Draft (TAIP-4)	The party of the transaction wishing to cancel it (e.g., "originator" or "beneficiary" for Transfer messages)
reason	string	No	Draft (TAIP-4)	Human readable reason for cancellation

Example Cancel Message

{
  "id": "fedcba98-e89b-12d3-a456-426614174004",
  "type": "https://tap.rsvp/schema/1.0#Cancel",
  "from": "did:web:customer.wallet",
  "to": ["did:web:merchant.vasp"],
  "thid": "payment-123",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Cancel",
    "by": "customer",
    "reason": "User declined payment request"
  }
}

Data Elements

Party

TAIP-6 - Review

Represents a participant in a transaction (originator or beneficiary).

Attribute	Type	Required	Status	Description
@id	string	Yes	Review (TAIP-6)	DID or IRI of the party
@type	string	No	Review (TAIP-6)	JSON-LD type identifier. Most commonly "https://schema.org/Organization" for institutional parties or "https://schema.org/Person" for individual parties
leiCode	string	No	Draft (TAIP-11)	LEI code for legal entities. Must be a 20-character alpha-numeric string conforming to ISO 17442
name	string	No	Review (TAIP-6)	Human-readable name (based on schema.org/Organization or schema.org/Person)
nameHash	string	No	Draft (TAIP-12)	SHA-256 hash of the normalized name (uppercase, no whitespace)
mcc	string	No	Review (TAIP-14)	Merchant Category Code (ISO 18245) that identifies the type of business (e.g., "5411" for grocery stores)
url	string	No	Review (TAIP-6)	URL pointing to the party's website (based on schema.org/Organization)
logo	string	No	Review (TAIP-6)	URL pointing to the party's logo image (based on schema.org/Organization)
description	string	No	Review (TAIP-6)	Description of the party (based on schema.org/Organization)
email	string	No	Review (TAIP-6)	Contact email address (based on schema.org/Organization or schema.org/Person)
telephone	string	No	Review (TAIP-6)	Contact telephone number (based on schema.org/Organization or schema.org/Person)

If a customer (originator or beneficiary) is a legal entity and has an LEI, that LEI SHOULD be included in their Party. For institutions (VASPs), if they have an LEI, they MUST include it in their Party.

Example with LEI and Agent Relationship

{
  "@context": {
    "@vocab": "https://tap.rsvp/schema/1.0",
    "lei": "https://schema.org/leiCode"
  },
  "@type": "https://tap.rsvp/schema/1.0#Transfer",
  "asset": "eip155:1/slip44:60",
  "amount": "100.00",
  "originator": {
    "@id": "did:org:acmecorp-123",
    "lei:leiCode": "3M5E1GQKGL17HI8CPN20",
    "name": "ACME Corporation"
  },
  "agents": [
    {
      "@id": "did:web:originator.vasp",
      "for": "did:eg:bob",
      "role": "CustodialService"
    }
  ]
}

The example above shows:

1. A Party for a legal entity (ACME Corporation) with its LEI
2. An Agent representing that party (the VASP)

Note: Future versions may support verifiable LEIs (vLEIs) through the standard credential presentation mechanism defined in TAIP-8.

Invoice

TAIP-16 - Review

Represents a detailed invoice that can be included in a Payment message.

Attribute	Type	Required	Status	Description
id	string	Yes	Review (TAIP-16)	Unique identifier for the invoice (e.g., "INV001")
issueDate	string	Yes	Review (TAIP-16)	ISO 8601 date format (YYYY-MM-DD) when the invoice was issued
currencyCode	string	Yes	Review (TAIP-16)	ISO 4217 currency code for the invoice amounts
lineItems	array	Yes	Review (TAIP-16)	Array of line item objects representing the individual items being invoiced
taxTotal	object	No	Review (TAIP-16)	Aggregate tax information including tax amount and breakdown by category
total	number	Yes	Review (TAIP-16)	Total amount of the invoice, including taxes. Must match the amount in the Payment Request body.
subTotal	number	No	Review (TAIP-16)	Sum of line totals before taxes
dueDate	string	No	Review (TAIP-16)	ISO 8601 date format (YYYY-MM-DD) when payment is due
note	string	No	Review (TAIP-16)	Additional notes or terms for the invoice
paymentTerms	string	No	Review (TAIP-16)	Terms of payment (e.g., "Net 30")
accountingCost	string	No	Review (TAIP-16)	Buyer's accounting code, used to route costs to specific accounts
orderReference	object	No	Review (TAIP-16)	Reference to a related order
additionalDocumentReference	array	No	Review (TAIP-16)	References to additional documents

Each line item in the lineItems array contains:

Attribute	Type	Required	Status	Description
id	string	Yes	Review (TAIP-16)	Unique identifier for the line item within the invoice
description	string	Yes	Review (TAIP-16)	Description of the item or service
name	string	No	Review (TAIP-16)	Product name (based on schema.org/Product). If not provided, description serves as the display name
image	string	No	Review (TAIP-16)	URL to an image of the product (based on schema.org/Product)
url	string	No	Review (TAIP-16)	URL to the product page (based on schema.org/Product)
quantity	number	Yes	Review (TAIP-16)	Quantity of the item
unitCode	string	No	Review (TAIP-16)	Unit of measure code (e.g., "EA" for each, "KGM" for kilogram)
unitPrice	number	Yes	Review (TAIP-16)	Price per unit
lineTotal	number	Yes	Review (TAIP-16)	Total amount for this line item (typically quantity × unitPrice)
taxCategory	object	No	Review (TAIP-16)	Tax category information specific to this line item

Example Invoice Object

{
  "id": "INV001",
  "issueDate": "2025-04-22",
  "currencyCode": "USD",
  "lineItems": [
    {
      "id": "1",
      "description": "Widget A",
      "quantity": 5,
      "unitCode": "EA",
      "unitPrice": 10.00,
      "lineTotal": 50.00
    },
    {
      "id": "2",
      "description": "Widget B",
      "quantity": 10,
      "unitCode": "EA",
      "unitPrice": 5.00,
      "lineTotal": 50.00
    }
  ],
  "taxTotal": {
    "taxAmount": 15.00,
    "taxSubtotal": [
      {
        "taxableAmount": 100.00,
        "taxAmount": 15.00,
        "taxCategory": {
          "id": "S",
          "percent": 15.0,
          "taxScheme": "VAT"
        }
      }
    ]
  },
  "total": 115.00,
  "subTotal": 100.00,
  "dueDate": "2025-05-22",
  "paymentTerms": "Net 30"
}

Agent

TAIP-5 - Review

Represents a service involved in executing transactions.

Attribute	Type	Required	Status	Description
@id	string	Yes	Review (TAIP-5)	DID of the agent
@type	string	No	Review (TAIP-5)	JSON-LD type identifier. Most commonly "https://schema.org/Organization" for institutional agents
role	string	No	Review (TAIP-5)	Role of the agent (e.g., "SettlementAddress", "SourceAddress", "CustodialService")
for	string or array of strings	No	Review (TAIP-5)	Reference to the Party or Parties this agent represents. Can be either a single DID string or an array of DID strings when the agent acts on behalf of multiple entities simultaneously
name	string	No	Review (TAIP-5)	Name of the agent organization (based on schema.org/Organization)
url	string	No	Review (TAIP-5)	URL pointing to the agent's website (based on schema.org/Organization)
logo	string	No	Review (TAIP-5)	URL pointing to the agent's logo image (based on schema.org/Organization)
description	string	No	Review (TAIP-5)	Description of the agent (based on schema.org/Organization)
email	string	No	Review (TAIP-5)	Contact email address (based on schema.org/Organization)
telephone	string	No	Review (TAIP-5)	Contact telephone number (based on schema.org/Organization)
serviceUrl	string	No	Review (TAIP-15)	Optional DIDComm service endpoint URL. Should only be used as a fallback when no DIDComm service endpoint is resolvable from the agent's DID document. Particularly useful for self-hosted and decentralized agents

Note: Both role and for parameters are optional to support flexible agent configurations. The role parameter may be omitted when the agent's function is implicit from context or when using generic service agents. The for parameter may be omitted for standalone agents or when the relationship is established through other means.

Agent Examples

1. Agent Acting for a Single Party

{
  "@id": "did:web:originator.vasp",
  "for": "did:eg:bob",
  "role": "SourceAddress"
}

2. Agent Acting for Multiple Parties

{
  "@id": "did:web:shared.wallet",
  "for": ["did:eg:alice", "did:eg:bob"],
  "role": "CustodialService"
}

3. Shared Wallet Provider Acting for Multiple VASPs

{
  "@id": "did:web:shared.wallet",
  "for": ["did:web:vasp1.com", "did:web:vasp2.com"],
  "role": "CustodialService"
}

4. Agent Without Specific Role

{
  "@id": "did:web:generic.service",
  "for": "did:eg:alice"
}

5. Standalone Agent (No Role or For Parameters)

{
  "@id": "did:web:standalone.service"
}

Policy

TAIP-7 - Review

RequirePresentation

Attribute	Type	Required	Status	Description
@type	string	Yes	Review (TAIP-7)	"RequirePresentation"
@context	array	Yes	Review (TAIP-7)	Array of context URIs
fromAgent	string	Yes	Review (TAIP-7)	Agent to present the information
aboutParty	string	No	Review (TAIP-7)	Party the presentation is about
aboutAgent	string	No	Review (TAIP-7)	Agent the presentation is about
presentationDefinition	string	Yes	Review (TAIP-7)	URL to presentation definition

RequirePurpose

Attribute	Type	Required	Status	Description
@type	string	Yes	Review (TAIP-7)	"RequirePurpose"
fields	array	Yes	Draft (TAIP-13)	Array of required fields: ["purpose"] and/or ["categoryPurpose"]
fromAgent	string	No	Draft (TAIP-13)	Agent required to provide the purpose code(s)

RequireAuthorization

TAIP-7 - Review

Attribute	Type	Required	Status	Description
@type	string	Yes	Review (TAIP-7)	"RequireAuthorization"
fromAgent	string	Yes	Review (TAIP-7)	Agent required to provide authorization
reason	string	No	Review (TAIP-7)	Human readable reason for requiring authorization

RequireRelationshipConfirmation

TAIP-9 - Draft

Attribute	Type	Required	Status	Description
@type	string	Yes	Draft (TAIP-9)	"RequireRelationshipConfirmation"
fromAgent	string	Yes	Draft (TAIP-9)	Agent required to confirm the relationship
aboutParty	string	Yes	Draft (TAIP-9)	Party whose relationship needs confirmation
aboutAgent	string	Yes	Draft (TAIP-9)	Agent whose relationship needs confirmation
reason	string	No	Draft (TAIP-9)	Human readable reason for requiring relationship confirmation

Example RequireAuthorization Policy

{
  "@type": "RequireAuthorization",
  "fromAgent": "beneficiary",
  "reason": "Beneficiary approval required for transfers over 1000 USDC"
}

Example RequireRelationshipConfirmation Policy

{
  "@type": "RequireRelationshipConfirmation",
  "fromAgent": "originator",
  "aboutParty": "originator",
  "aboutAgent": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
  "reason": "Please confirm control of the settlement address"
}

Out-of-Band Message Initiation

Overview

TAIP-3, TAIP-14 - Review

When parties haven't established communication, TAP messages can be initiated using DIDComm Out-of-Band (OOB) messages. This enables sharing transaction requests through URLs or QR codes.

Requirements

1. MUST use the https://didcomm.org/out-of-band/2.0 protocol
2. MUST include the appropriate goal_code:
   • tap.transfer for Transfer messages
   • tap.payment for Payment messages
3. SHOULD be shared as URLs according to the Out-of-Band message spec
4. MUST include the TAP message as a signed DIDComm message in the attachment

Example Out-of-Band Transfer

{
  "type": "https://didcomm.org/out-of-band/2.0/invitation",
  "id": "2e9e257c-2839-4fae-b0c4-dcd4e2159f4e",
  "from": "did:example:originator",
  "body": {
    "goal_code": "tap.transfer",
    "goal": "Process transfer request",
    "accept": ["didcomm/v2"]
  },
  "attachments": [{
    "id": "transfer-1",
    "mime_type": "application/didcomm-signed+json",
    "data": {
      "json": {
        "payload": "eyJpZCI6IjU5OWY3MjIwLTYxNDktNGM0NS1hZGJiLTg2ZDk2YzhlMDYwOCIsInR5cGUiOiJodHRwczovL3RhcC5yc3ZwL3NjaGVtYS8xLjAjVHJhbnNmZXIiLCJmcm9tIjoiZGlkOmV4YW1wbGU6b3JpZ2luYXRvciIsImJvZHkiOnsiQGNvbnRleHQiOiJodHRwczovL3RhcC5yc3ZwL3NjaGVtYS8xLjAiLCJAdHlwZSI6Imh0dHBzOi8vdGFwLnJzdnAvc2NoZW1hLzEuMCNUcmFuc2ZlciIsImFzc2V0IjoiZWlwMTU1OjEvc2xpcDQ0OjYwIiwiYW1vdW50IjoiMTAwLjAwIn19",
        "signatures": [{
          "protected": "eyJ0eXAiOiJKV1QiLCJhbGciOiJFZERTQSIsImtpZCI6ImRpZDpleGFtcGxlOm9yaWdpbmF0b3Ija2V5LTEifQ",
          "signature": "FW33NnvOHV0Ted9-F7GZbkia-vYAfBKtH4oBxbrttWAhBZ6UFJMxcGjL3lwOl4YohI3kyyd2LqvFHsEFk7R7Cg"
        }]
      }
    }
  }]
}

The corresponding URL format would be:

https://example.com/tap?_oob=eyJ0eXAiOiJKV1QiLCJhbGciOiJFZERTQSJ9...

Message Flow Examples

Basic Transfer Flow

This flow demonstrates a basic transfer between parties with compliance requirements:

1. The originator initiates a transfer
2. The beneficiary requests additional information via policies
3. After receiving the required information, the beneficiary authorizes the transfer
4. The originator settles the transfer on-chain

Note that all messages share the same thread ID to link them together.

1. Initial Transfer Request

{
  "id": "transfer-123",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "amount": "1.23",
    "originator": {
      "@id": "did:eg:bob"
    },
    "beneficiary": {
      "@id": "did:eg:alice"
    },
    "agents":[
      {
        "@id":"did:web:originator.vasp",
        "for":"did:eg:bob",
        "role":"CustodialService"
      },
      {
        "@id": "did:web:beneficiary.vasp",
        "for": "did:eg:alice",
        "role": "CustodialService"
      }
    ]
  }
}

2. Beneficiary's Policy Requirements

{
  "id": "policies-123",
  "type": "https://tap.rsvp/schema/1.0#UpdatePolicies",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "transfer-123",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#UpdatePolicies",
    "policies": [
      {
        "@type": "RequirePresentation",
        "@context": ["https://schema.org/Person"],
        "fromAgent": "originator",
        "aboutParty": "originator",
        "presentationDefinition": "https://tap.rsvp/presentation-definitions/ivms-101/eu/tfr"
      },
      {
        "@type": "RequirePurpose",
        "fromAgent": "originator",
        "fields": ["purpose", "categoryPurpose"]
      }
    ]
  }
}

3. Beneficiary's Authorization

{
  "id": "auth-123",
  "type": "https://tap.rsvp/schema/1.0#Authorize",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "transfer-123",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Authorize"
  }
}

4. Originator's Settlement Confirmation

{
  "id": "settle-123",
  "type": "https://tap.rsvp/schema/1.0#Settle",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "transfer-123",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Settle",
    "settlementId": "eip155:1:tx/0x3edb98c24d46d148eb926c714f4fbaa117c47b0c0821f38bfce9763604457c33"
  }
}

Same-VASP Transfer with Multiple DIDs

Demonstrates a transfer between two customers of the same VASP with:

• A single agent (the VASP) acting on behalf of both parties simultaneously using multiple DIDs in the "for" field
• Internal transfer between customers of the same institution
• Simplified agent list as the VASP acts for both sender and receiver

Same-VASP Transfer Example

{
  "from": "did:web:goodbyefiat.com",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "id": "1234567890",
  "to": ["did:web:goodbyefiat.com"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "amount": "1.23",
    "originator": {
      "@id": "did:eg:bob"
    },
    "beneficiary": {
      "@id": "did:eg:alice"
    },
    "agents": [
      {
        "@id": "did:pkh:eip155:1:0xabcda96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
        "for": "did:web:goodbyefiat.com",
        "role": "SourceAddress"
      },
      {
        "@id": "did:web:goodbyefiat.com",
        "for": ["did:eg:bob", "did:eg:alice"],
        "role": "CustodialService"
      },
      {
        "@id": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
        "for": "did:web:goodbyefiat.com",
        "role": "SettlementAddress"
      }
    ]
  }
}

Cross-VASP Transfer with Shared Wallet Provider

Demonstrates a cross-VASP transfer with:

• A shared wallet provider supporting multiple VASPs
• Use of multiple DIDs in the "for" field to show the wallet provider's relationship with both VASPs
• Efficient representation of intermediary relationships without duplicating agent entries

Shared Wallet Provider Example

{
  "from": "did:web:goodbyefiat.com",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "id": "9876543210",
  "to": ["did:web:hellocrypto.com"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "amount": "5.67",
    "originator": {
      "@id": "did:eg:bob"
    },
    "beneficiary": {
      "@id": "did:eg:alice"
    },
    "agents": [
      {
        "@id": "did:web:goodbyefiat.com",
        "for": "did:eg:bob",
        "role": "CustodialService"
      },
      {
        "@id": "did:web:hellocrypto.com",
        "for": "did:eg:alice",
        "role": "CustodialService"
      },
      {
        "@id": "did:web:superwallet.com",
        "for": ["did:web:goodbyefiat.com", "did:web:hellocrypto.com"],
        "role": "CustodialService"
      },
      {
        "@id": "did:pkh:eip155:1:0xabcda96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
        "for": "did:web:superwallet.com",
        "role": "SourceAddress"
      },
      {
        "@id": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
        "for": "did:web:superwallet.com",
        "role": "SettlementAddress"
      }
    ]
  }
}

Transfer with LEI and Purpose Code

Demonstrates usage of:

• Legal Entity Identifier (LEI) for the originator
• ISO 20022 purpose codes for payment classification
• Corporate transfer between institutions

Corporate Transfer with LEI and Purpose Codes

{
  "id": "transfer-124",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "body": {
    "@context": {
      "lei": "https://schema.org/leiCode"
    },
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "amount": "1.23",
    "purpose": "SALA",
    "categoryPurpose": "CORT",
    "originator": {
      "@id": "did:org:acmecorp-123",
      "lei:leiCode": "3M5E1GQKGL17HI8CPN20",
      "name": "ACME Corporation"
    },
    "beneficiary": {
      "@id": "did:eg:alice"
    },
    "agents": [
      {
        "@id": "did:web:originator.vasp",
        "for": "did:org:acmecorp-123",
        "role": "CustodialService"
      },
      {
        "@id": "did:web:beneficiary.vasp",
        "for": "did:eg:alice",
        "role": "CustodialService"
      }
    ]
  }
}

Payment Request Flow

This flow demonstrates a complete payment request process from a merchant to a customer, including:

1. A merchant initiates by sending a Payment request for $100 USD, accepting USDC as payment
2. The customer responds with a Transfer message, choosing to pay in USDC
3. The merchant authorizes the transfer after verifying the details match their request
4. The customer settles the payment on-chain and notifies the merchant with the transaction ID

Note that all messages in this flow share the same thread ID (payment-123) to link them together. The merchant can use this to track the payment status and match it to their original request.

1. Initial Payment from Merchant

{
  "id": "payment-123",
  "type": "https://tap.rsvp/schema/1.0#Payment",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:customer.vasp"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Payment",
    "currency": "USD",
    "amount": "100.00",
    "supportedAssets": [
      "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48"
    ],
    "merchant": {
      "@id": "did:web:merchant.vasp",
      "name": "Example Store",
      "mcc": "5812"
    },
    "expiry": "2024-04-21T12:00:00Z",
    "agents": [
      {
        "@id": "did:web:merchant.vasp",
        "for": "did:web:merchant.vasp",
        "role": "CustodialService"
      }
    ]
  }
}

2. Customer's Transfer Response

{
  "id": "transfer-123",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "from": "did:web:customer.vasp",
  "to": ["did:web:merchant.vasp"],
  "thid": "payment-123",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
    "amount": "100.00",
    "originator": {
      "@id": "did:web:customer"
    },
    "beneficiary": {
      "@id": "did:web:merchant.vasp",
      "name": "Example Store"
    },
    "agents": [
      {
        "@id": "did:web:customer.vasp",
        "for": "did:web:customer",
        "role": "CustodialService"
      },
      {
        "@id": "did:web:merchant.vasp",
        "for": "did:web:merchant.vasp",
        "role": "CustodialService"
      }
    ]
  }
}

3. Merchant's Authorization

{
  "id": "auth-123",
  "type": "https://tap.rsvp/schema/1.0#Authorize",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:customer.vasp"],
  "thid": "payment-123",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Authorize"
  }
}

4. Customer's Settlement Confirmation

{
  "id": "settle-123",
  "type": "https://tap.rsvp/schema/1.0#Settle",
  "from": "did:web:customer.vasp",
  "to": ["did:web:merchant.vasp"],
  "thid": "payment-123",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Settle",
    "settlementId": "eip155:1:tx/0x3edb98c24d46d148eb926c714f4fbaa117c47b0c0821f38bfce9763604457c33"
  }
}

5. Payment Request Cancel Example

{
  "id": "cancel-123",
  "type": "https://tap.rsvp/schema/1.0#Cancel",
  "from": "did:web:customer.wallet",
  "to": ["did:web:merchant.vasp"],
  "thid": "payment-123",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Cancel",
    "by": "customer",
    "reason": "User declined payment request"
  }
}

Cancel Message Examples

1. Cancel Transaction

{
  "id": "cancel-123",
  "type": "https://tap.rsvp/schema/1.0#Cancel",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Cancel",
    "by": "originator",
    "reason": "User cancelled the request"
  }
}

2. Cancel Connection

{
  "id": "cancel-124",
  "type": "https://tap.rsvp/schema/1.0#Cancel",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "connection-123",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Cancel",
    "by": "originator",
    "reason": "Service agreement terminated"
  }
}

Revert Message Examples

1. Revert for Compliance Reasons

{
  "id": "revert-123",
  "type": "https://tap.rsvp/schema/1.0#Revert",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Revert",
    "settlementAddress": "eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
    "reason": "Post-settlement compliance check failed"
  }
}

2. Revert for Dispute Resolution

{
  "id": "revert-124",
  "type": "https://tap.rsvp/schema/1.0#Revert",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Revert",
    "settlementAddress": "eip155:1:0x5678a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
    "reason": "Customer dispute - unauthorized transaction"
  }
}

UpdateAgent Message Examples

1. Update Agent with New Policies

{
  "id": "update-agent-123",
  "type": "https://tap.rsvp/schema/1.0#UpdateAgent",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#UpdateAgent",
    "agent": {
      "@id": "did:web:originator.vasp",
      "for": "did:eg:bob",
      "role": "CustodialService",
      "policies": [
        {
          "@type": "RequirePresentation",
          "@context": ["https://schema.org/Person"],
          "fromAgent": "beneficiary",
          "aboutParty": "beneficiary",
          "presentationDefinition": "https://tap.rsvp/presentation-definitions/ivms-101/eu/tfr"
        },
        {
          "@type": "RequirePurpose",
          "fromAgent": "beneficiary",
          "fields": ["purpose", "categoryPurpose"]
        }
      ]
    }
  }
}

2. Update Agent Role

{
  "id": "update-agent-124",
  "type": "https://tap.rsvp/schema/1.0#UpdateAgent",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#UpdateAgent",
    "agent": {
      "@id": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb",
      "for": "did:web:beneficiary.vasp",
      "role": "CustodialService"
    }
  }
}

UpdateParty Message Examples

1. Update Party with LEI

{
  "id": "update-party-123",
  "type": "https://tap.rsvp/schema/1.0#UpdateParty",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": {
      "@vocab": "https://tap.rsvp/schema/1.0",
      "lei": "https://schema.org/leiCode"
    },
    "@type": "https://tap.rsvp/schema/1.0#UpdateParty",
    "party": {
      "@id": "did:eg:alice",
      "lei:leiCode": "5493001KJTIIGC8Y1R12",
      "name": "Alice Corp Ltd"
    }
  }
}

2. Update Party with Name Hash

{
  "id": "update-party-124",
  "type": "https://tap.rsvp/schema/1.0#UpdateParty",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#UpdateParty",
    "party": {
      "@id": "did:eg:alice",
      "name": "Alice Smith",
      "nameHash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
    }
  }
}

RemoveAgent Message Examples

1. Remove Settlement Address

{
  "id": "remove-agent-123",
  "type": "https://tap.rsvp/schema/1.0#RemoveAgent",
  "from": "did:web:beneficiary.vasp",
  "to": ["did:web:originator.vasp"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#RemoveAgent",
    "agent": "did:pkh:eip155:1:0x1234a96D359eC26a11e2C2b3d8f8B8942d5Bfcdb"
  }
}

2. Remove Custodial Service

{
  "id": "remove-agent-124",
  "type": "https://tap.rsvp/schema/1.0#RemoveAgent",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp", "did:web:custodian.service"],
  "thid": "1234567890",
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#RemoveAgent",
    "agent": "did:web:custodian.service"
  }
}

Payment Request with Invoice Example

{
  "id": "payment-456",
  "type": "https://tap.rsvp/schema/1.0#Payment",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:customer.vasp"],
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Payment",
    "currency": "USD",
    "amount": "115.00",
    "supportedAssets": [
      "eip155:1/erc20:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48"
    ],
    "invoice": {
      "id": "INV001",
      "issueDate": "2025-04-22",
      "currencyCode": "USD",
      "lineItems": [
        {
          "id": "1",
          "description": "Widget A",
          "name": "Premium Widget Model A",
          "image": "https://example.com/products/widget-a.jpg",
          "url": "https://example.com/products/widget-a",
          "quantity": 5,
          "unitCode": "EA",
          "unitPrice": 10.00,
          "lineTotal": 50.00
        },
        {
          "id": "2",
          "description": "Widget B",
          "name": "Standard Widget Model B",
          "url": "https://example.com/products/widget-b",
          "quantity": 10,
          "unitCode": "EA",
          "unitPrice": 5.00,
          "lineTotal": 50.00
        }
      ],
      "taxTotal": {
        "taxAmount": 15.00,
        "taxSubtotal": [
          {
            "taxableAmount": 100.00,
            "taxAmount": 15.00,
            "taxCategory": {
              "id": "S",
              "percent": 15.0,
              "taxScheme": "VAT"
            }
          }
        ]
      },
      "total": 115.00,
      "subTotal": 100.00,
      "dueDate": "2025-05-22",
      "paymentTerms": "Net 30"
    },
    "merchant": {
      "@id": "did:web:merchant.vasp",
      "name": "Example Store",
      "mcc": "5812"
    },
    "expiry": "2025-04-29T12:00:00Z",
    "agents": [
      {
        "@id": "did:web:merchant.vasp",
        "for": "did:web:merchant.vasp",
        "role": "CustodialService"
      }
    ]
  }
}