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<rfc xmlns:xi="http://www.w3.org/2001/XInclude" ipr="trust200902" docName="draft-skyfire-kyapayprofile-02" category="std" consensus="true" submissionType="IETF" tocInclude="true" sortRefs="true" symRefs="true" version="3">
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  <front>
    <title>KYAPay Profile</title>
    <seriesInfo name="Internet-Draft" value="draft-skyfire-kyapayprofile-02"/>
    <author initials="A." surname="Agarwal" fullname="Ankit Agarwal">
      <organization>Skyfire Systems Inc.</organization>
      <address>
        <email>ankit_agarwal@yahoo.com</email>
        <uri>https://skyfire.xyz</uri>
      </address>
    </author>
    <author initials="M." surname="Jones" fullname="Michael B. Jones">
      <organization>Self-Issued Consulting</organization>
      <address>
        <email>michael_b_jones@hotmail.com</email>
        <uri>https://self-issued.info/</uri>
      </address>
    </author>
    <date year="2026" month="June" day="20"/>
    <keyword>agent</keyword>
    <keyword>identity</keyword>
    <keyword>agentic</keyword>
    <keyword>payment</keyword>
    <keyword>commerce</keyword>
    <abstract>
      <?line 73?>

<t>This document defines a profile for agent identity and payment tokens in
JSON web token (JWT) format. Authorization servers and resource servers from
different vendors can leverage this profile to consume identity and payment
tokens in an interoperable manner.</t>
    </abstract>
    <note removeInRFC="true">
      <name>About This Document</name>
      <t>
        The latest revision of this draft can be found at <eref target="https://skyfire-xyz.github.io/kyapay-ietf-draft/draft-skyfire-kyapayprofile.html"/>.
        Status information for this document may be found at <eref target="https://datatracker.ietf.org/doc/draft-skyfire-kyapayprofile/"/>.
      </t>
      <t>Source for this draft and an issue tracker can be found at
        <eref target="https://github.com/skyfire-xyz/kyapay-ietf-draft"/>.</t>
    </note>
  </front>
  <middle>
    <?line 80?>

<section anchor="introduction">
      <name>Introduction</name>
      <t>As software agents evolve from pre-orchestrated workflow automations to truly
autonomous or semi-autonomous assistants, they require the ability to identify
themselves -- and more importantly, identify their human principals -- to external
systems. Agents acting on behalf of users to discover services, create accounts,
or execute actions currently face significant operational barriers.</t>
      <t>The KYAPay token addresses these challenges by providing a standard envelope to
carry verified identity and payment information. By utilizing "kya" (Agent
Identity) and "pay" (Payment) tokens, agents can identify their human principals
to services, sites, bot managers, customer identity and access management (CIAM)
systems, and fraud detectors. This enables agents to bypass common blocking
mechanisms and access services that were previously restricted to manual human
interaction.</t>
      <t>KYAPay does not aim to define agentic identity in its entirety. Rather, it specifies
a standard and extensible JWT profile for a token that can be used to securely share human
principal and agent identity information with websites and APIs. KYAPay tokens
provide a strong signal of human presence behind agentic requests that are
otherwise indistinguishable from programmatic and potentially malicious bot requests.</t>
      <t>Note that, in the future,
the payment token functionality could be split into a separate specification,
if desired by a working group adopting the specification.
It is retained here at present for ease of reviewing.</t>
      <section anchor="use-cases-for-the-kyapay-token">
        <name>Use Cases for the KYAPay Token</name>
        <t>Enabling agents to access websites and APIs on behalf of
the human principals they represent is a design goal of KYAPay tokens.
Today’s internet is designed primarily for humans, meaning that automated systems
are often classified as malicious and blocked by web security infrastructure.
However, the rise of AI agents has introduced a new paradigm where
programmatic clients legitimately access websites and APIs
on behalf of human principals.
Because these agents can be hard to distinguish from traditional bots,
they are often inadvertently blocked,
creating a need for the web security ecosystem to distinguish between
legitimate agentic traffic and truly malicious activity.
KYAPay tokens are designed to address this challenge by enabling agents to convey
verified identity and payment credentials.
These tokens can provide web security systems and merchants with
a strong signal that the requests are authorized by a human,
allowing them to safely permit legitimate programmatic transactions
while aggressively blocking undesired traffic.</t>
        <t>Enabling agents to create accounts and/or log in to accounts
on behalf of their human principals is a related design goal.
To achieve this, systems can utilize a token exchange workflow <xref target="RFC8693"/>.
In this process, a Security Token Service (STS), Identity Provider (IdP),
or OAuth Authorization Server verifies incoming KYA tokens
and extracts claims associated with the human principal, such as email addresses.
The authorization server then performs a token exchange,
swapping the KYA token for a standard OAuth Access Token,
which the agent subsequently uses to interact with the target service.
Crucially, this architecture allows the service to know
that the agent is acting on behalf of the user,
making it possible to differentiate between
direct, human-present sessions and human-initiated, agentic sessions
for authorization, auditing, and security purposes.</t>
        <t>Enabling agents to have ubiquity of access across the Internet just like their
human principals is a related design goal.
Automation typically scales as it achieves higher reliability and lower
cost-to-entry. Unlike the structured logic required by cron jobs or
low-code / no-code platforms, agentic automation leverages LLMs to execute
tasks via natural language, effectively removing the software-skill barrier.
As model reasoning improves and infrastructure scales, these agents become
increasingly dependable and affordable for the human principal.
To maximize utility, agents require ubiquitous Internet access, a feat made
possible by KYAPay Token Issuers. By providing a client-side verification
framework analogous to the server-side role of Certificate Authorities (CAs),
KYAPay builds a standardized network of acceptance across the web security
ecosystem. This allows for the seamless attestation of both the agent’s and
the human principal’s identity, ensuring secure, cross-domain task execution
without the friction of fragmented authentication silos.</t>
        <t>Enabling the ecosystem of web security vendors to engage in finer-grained and
deliberate bad-actor mitigation is a related design goal.
KYA tokens provide a layered, verified, and extensible identity stack
specifically engineered for autonomous agents. This framework
allows the web security ecosystem to distinguish among individual agent
instances, the platforms they run on, and the human principals behind them.
By establishing this level of granular visibility, security systems can
transition from broad defensive measures to specific mitigation; rather than
being forced to block an entire platform, administrators can now isolate
and neutralize a single malicious human user or a malfunctioning software
instance without disrupting legitimate traffic.</t>
        <t>Note that the protocols using these tokens to achieve these goals
are not defined by this specification.
The interoperable use of them for these purposes will require further specification.</t>
        <t>Early production deployments of KYAPay tokens are described at https://kyapay.org.</t>
      </section>
    </section>
    <section anchor="conventions-and-definitions">
      <name>Conventions and Definitions</name>
      <t>The key words "<bcp14>MUST</bcp14>", "<bcp14>MUST NOT</bcp14>", "<bcp14>REQUIRED</bcp14>", "<bcp14>SHALL</bcp14>", "<bcp14>SHALL
NOT</bcp14>", "<bcp14>SHOULD</bcp14>", "<bcp14>SHOULD NOT</bcp14>", "<bcp14>RECOMMENDED</bcp14>", "<bcp14>NOT RECOMMENDED</bcp14>",
"<bcp14>MAY</bcp14>", and "<bcp14>OPTIONAL</bcp14>" in this document are to be interpreted as
described in BCP 14 <xref target="RFC2119"/> <xref target="RFC8174"/> when, and only when, they
appear in all capitals, as shown here.</t>
      <?line -18?>

<t>The claims <tt>iss</tt>, <tt>iat</tt>, <tt>exp</tt>, <tt>aud</tt>, and <tt>jti</tt> are defined by <xref target="RFC7519"/>.
The header parameters <tt>alg</tt>, <tt>kid</tt>, and <tt>typ</tt> are defined by <xref target="RFC7515"/>.</t>
      <t>The <tt>alg</tt> value <tt>ES256</tt> is a digital signature algorithm defined in
<xref section="3.4" sectionFormat="of" target="RFC7518"/>.</t>
      <section anchor="roles">
        <name>Roles</name>
        <dl>
          <dt>Agent:</dt>
          <dd>
            <t>An application, service, or specific software process, executing on behalf
of a Principal.</t>
          </dd>
          <dt>Agent Identity:</dt>
          <dd>
            <t>A unique identifier and a set of claims describing an agent. Grouped into the
<tt>aid</tt> claim for convenience. Because an agent can be public or confidential
(as described in <xref section="2.1" sectionFormat="of" target="RFC6749"/>), the level of assurance for these
claims varies dramatically. Agents also vary in terms of longevity -- they can
have stable long-running identities (such as those of a server-side confidential
client), or they can be transient and ephemeral, and correspond to individual
API calls or compute workloads.</t>
          </dd>
          <dt>Agent Platform:</dt>
          <dd>
            <t>The service provider and runtime environment hosting the Agent, such as a
cloud compute provider or AI operator service. Assertions about the agent
platform are grouped into the <tt>apd</tt> claim, and are primarily used to identify
the Principal entity operating the platform, allowing consumers of the token to
apply reputation-based logic or offer platform-specific services.</t>
          </dd>
          <dt>Principal:</dt>
          <dd>
            <t>A legal entity (human or organization) on whose behalf / in whose authority
an agent or service is operating.</t>
          </dd>
        </dl>
        <section anchor="initiator-roles">
          <name>Initiator Roles</name>
          <dl>
            <dt>Initiator Agent:</dt>
            <dd>
              <t>An Agent performing tasks on behalf of an Initiator Principal, that has its own
Agent Identity, grouped into the <tt>aid</tt> claim.</t>
            </dd>
            <dt>Initiator Agent Platform:</dt>
            <dd>
              <t>The Agent Platform hosting the Initiator Agent. Some use cases require the Platform
to have its own verified identity assertions, grouped into the <tt>apd</tt> claim.</t>
            </dd>
            <dt>Initiator Principal:</dt>
            <dd>
              <t>A legal entity (human or organization) behind the purchase / consumption of a
product or service.
In buyer/seller transactions, the Initiator is the buyer.
The Principal typically interacts with the target via an
Initiator Agent. Many targets are required to be able to determine the Initiator
Identity in order to comply with KYC/AML regulations, accounting standards,
and to maintain a direct customer relationships. The initiator principal's
identity is grouped into the <tt>hid</tt> claim.</t>
            </dd>
            <dt>Initiator Identity:</dt>
            <dd>
              <t>The aggregate verified identity assertions of the initiator entities, typically
encompassing the Initiator Principal, the Initiator Agent Platform, and the Initiator Agent
itself. This composite identity is conveyed via the KYA token, allowing the
target to verify the entire chain of responsibility behind a request.
The initiator identity utilizes the <tt>hid</tt>, <tt>apd</tt>, and <tt>aid</tt> claims.</t>
            </dd>
          </dl>
        </section>
        <section anchor="target-roles">
          <name>Target Roles</name>
          <dl>
            <dt>Target Agent:</dt>
            <dd>
              <t>An Agent performing tasks on behalf of a Target Principal, directly interacting
with Initiator Agents to facilitate discovery and purchase. Typically runs on
Internet-connected infrastructure, and discoverable via service directories.
Target agent identity claims are also grouped into the <tt>aid</tt> claim
if KYA tokens are generated for the targets.</t>
            </dd>
            <dt>Target Agent Platform:</dt>
            <dd>
              <t>The Agent Platform that hosts Target Agents. Some use cases require the Platform
to have its own verified identity assertions, grouped into the <tt>apd</tt> claim.</t>
            </dd>
            <dt>Target Principal:</dt>
            <dd>
              <t>A human principal (individual or organization) that that owns the product,
service, API, website, or content being consumed or sold, and serves as the
ultimate beneficiary of a transaction.
In buyer/seller transactions, the Target is the seller.
The target principal's identity is grouped into the <tt>hid</tt> claim.</t>
            </dd>
            <dt>Target Identity:</dt>
            <dd>
              <t>The aggregate verified identity assertions of the target entities, typically
encompassing the Target Principal, the Target Agent Platform, as well as the
Target Agent Identity.
These various aspects of Target Identity allow Initiators and Initiator Agents to
perform reputation-based logic, to verify that they are interacting with
the authorized (and expected) counter-party, and to fulfill KYC/AML regulation
requirements.
The target identity utilizes the <tt>hid</tt>, <tt>apd</tt>, and <tt>aid</tt> claims.</t>
            </dd>
          </dl>
        </section>
        <section anchor="ecosystem-infrastructure-roles">
          <name>Ecosystem Infrastructure Roles</name>
          <dl>
            <dt>Identity Token Issuer:</dt>
            <dd>
              <t>A trusted neutral entity that conducts Know Your Customer (KYC) and Know Your
Business (KYB) (for organizations) verifications. It is responsible for issuing
cryptographically signed <tt>kya</tt> tokens that attest to the identity of the
Principal, Agent, and Agent Platform, for both Initiators and Targets.</t>
            </dd>
            <dt>Payment Token Issuer:</dt>
            <dd>
              <t>A trusted entity responsible for facilitating the exchange of payments and
credentials between the Initiator and Target. It issues signed <tt>pay</tt> tokens that
enable settlement via various schemes (Cards, Banks, Cryptocurrency), without
exposing raw credentials or secrets.</t>
            </dd>
          </dl>
        </section>
      </section>
    </section>
    <section anchor="kyapay-token-schemas">
      <name>KYAPay Token Schemas</name>
      <section anchor="common-claims">
        <name>Common Token Claims</name>
        <t>The following are claims in common, used within the KYA (Know Your Agent),
PAY (Payment), and KYA-PAY (combined Know Your Agent and Payment) Tokens.</t>
        <dl>
          <dt><tt>iss</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - URL of the token's issuer. Used for discovering JWK Sets for token
signature verification, via the <tt>/.well-known/jwks.json</tt> suffix mechanism.</t>
          </dd>
          <dt><tt>sub</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - Subject Identifier. Must be pairwise unique within
a given issuer.</t>
          </dd>
          <dt><tt>aud</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - Audience (used for audience binding and replay attack mitigation),
uniquely identifying the target agent.
A single string value.</t>
          </dd>
          <dt><tt>iat</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - as defined in <xref section="4.1.6" sectionFormat="of" target="RFC7519"/>.  Identifies the time
at which the JWT was issued.  This claim must have a value in the past and can
be used to determine the age of the JWT.</t>
          </dd>
          <dt><tt>jti</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - Unique ID of this JWT as defined in <xref section="4.1.7" sectionFormat="of" target="RFC7519"/>.</t>
          </dd>
          <dt><tt>exp</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - as defined in <xref section="4.1.4" sectionFormat="of" target="RFC7519"/>.  Identifies the expiration
time on or after which the JWT <bcp14>MUST NOT</bcp14> be accepted for processing.</t>
          </dd>
          <dt><tt>tdm</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - Target domain, associated with the audience claim, the token is intended for.</t>
          </dd>
          <dt><tt>ori</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - URL of the token's originator.</t>
          </dd>
          <dt><tt>env</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - Issuer environment (such as "production" or "sandbox").  Additional values
may be defined and used.</t>
          </dd>
          <dt><tt>tsi</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - Target Service ID that this token was created for.</t>
          </dd>
          <dt><tt>itg</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - Initiator tag - an opaque reference ID internal to the initiator.</t>
          </dd>
        </dl>
        <t>Additional claims <bcp14>MAY</bcp14> be defined and used in these tokens.
The recipient <bcp14>MUST</bcp14> ignore any unrecognized claims.</t>
      </section>
      <section anchor="kya-token">
        <name>KYA Token</name>
        <t>The following identity related claims are used within KYA and KYA-PAY tokens:</t>
        <dl>
          <dt><tt>hid</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> (Required for human identity use cases) - A map of human identity
claims (individual or organization).</t>
          </dd>
          <dt><tt>apd</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - Agent Platform identity claims.</t>
          </dd>
          <dt><tt>aid</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - Agent identity claims.</t>
          </dd>
          <dt><tt>scope</tt></dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - String with space-separated scope values, per <xref target="RFC8693"/></t>
          </dd>
        </dl>
        <t>The following informative example displays a decoded KYA type token.</t>
        <figure anchor="example-decoded-kya-token">
          <name>A KYA type token</name>
          <artwork align="left"><![CDATA[
{
  "kid": "YjFdJgFNWj9AkUmtoXILwoeb37PsBuGWVK6_QvFLwJw", // JWK Key ID
  "alg": "ES256",
  "typ": "kya+jwt"
}.{
  "iss": "https://example.com/issuer", // Issuer URL
  "iat": 1742245254,
  "exp": 1773867654,
  "jti": "b9821893-7699-4d24-af06-803a6a16476b",
  "sub": "bb713104-c14e-460f-9b7c-f8140fa9bea4", // Initiator Agent Account ID
  "aud": "7434230d-0861-46f2-9c2c-a6ee33d07f17", // Target Agent Account ID

  "env": "production",
  "tsi": "bc3ff89f-069b-4383-82a9-8cfe53c55fc3", // Target Service ID
  "itg": "4f6cbd39-215c-4516-bf33-cab22862ee60", // Initiator Tag (Internal Reference ID)

  "hid": {
    "email": "initiator@initiator.com"
  },
  "apd": {
    "id": "d3306fc0-602b-47e6-9fe2-3d55d028fbd2"
    "name": "Acme Shopping Agents", // Agent platform name
    "email": "platform@acme.com", // Email address for the agent platform
    "phone_number": "+12345677890", // Phone number for the agent platform
    "organization_name": "Acme Shopping Inc.", // Legal name of the agent platform
    "verifier": "https://www.verifier.com/", // URL of the Identity verifier
    "verified": true, // Outcome of the verifier's KYA verification
    "verification_id": "a23c1fe4-a4b7-442d-8bca-3c8fad5ec3a6" // Verifier's verification ID
  },
  "aid": {
    "name": "Acme Agent Extraordinaire",
    "creation_ip": "54.86.50.139", // IP Address where token was created
    "source_ips": ["54.86.50.139-54.86.50.141", "1.1.1.0/24",
      "2001:db8:abcd:0012::/64", "acme.com"]
      // IP addresses from which the initiator agent will make requests to the target
  }
}
]]></artwork>
        </figure>
        <section anchor="hid-human-identity-sub-claims">
          <name><tt>hid</tt> - Human Identity Sub-Claims</name>
          <t>The Human Identity (<tt>hid</tt>) claim contains sub-claims identifying the human
principal (individual or organization) as follows.</t>
          <dl>
            <dt><tt>email</tt>:</dt>
            <dd>
              <t><bcp14>REQUIRED</bcp14> - Email address associated with the human individual or organization</t>
            </dd>
            <dt><tt>given_name</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Given name(s) or first name(s) of the human principal if they
are an individual.</t>
            </dd>
            <dt><tt>middle_name</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Middle name(s) of the human principal if they are an individual.</t>
            </dd>
            <dt><tt>family_name</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Surname(s) or last name(s) of the human principal if they are an
individual.</t>
            </dd>
            <dt><tt>phone_number</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Phone number associated with the human individual or organization.</t>
            </dd>
            <dt><tt>organization_name</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Name of the organization.</t>
            </dd>
            <dt><tt>verifier</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - URL of the Identity Verifier</t>
            </dd>
            <dt><tt>verified</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Boolean Verification status.  True if verified, otherwise false.</t>
            </dd>
            <dt><tt>verification_id</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Verification identifier. Identifier for the verification performed,
such as a GUID.</t>
            </dd>
          </dl>
          <t>Additional sub-claims <bcp14>MAY</bcp14> be defined and used.
The recipient <bcp14>MUST</bcp14> ignore any unrecognized sub-claims.</t>
        </section>
        <section anchor="agent-platform-identity-apd-sub-claims">
          <name>Agent Platform Identity <tt>apd</tt> Sub-Claims</name>
          <t>The <tt>apd</tt> claim is optional. If present, it contains the following sub-claims.</t>
          <dl>
            <dt><tt>id</tt>:</dt>
            <dd>
              <t><bcp14>REQUIRED</bcp14> - Agent Platform identifier.</t>
            </dd>
            <dt><tt>name</tt>:</dt>
            <dd>
              <t><bcp14>REQUIRED</bcp14> - Agent Platform name.</t>
            </dd>
            <dt><tt>email</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Email associated with agent platform.</t>
            </dd>
            <dt><tt>phone_number</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Phone number associated with agent platform.</t>
            </dd>
            <dt><tt>organization_name</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Legal name associated with agent platform.</t>
            </dd>
            <dt><tt>verifier</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - URL of the Identity Verifier</t>
            </dd>
            <dt><tt>verified</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Boolean Verification status.  True if verified, otherwise false.</t>
            </dd>
            <dt><tt>verification_id</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Verification identifier. Identifier for the verification performed, such as a GUID.</t>
            </dd>
          </dl>
          <t>Additional sub-claims <bcp14>MAY</bcp14> be defined and used.
The recipient <bcp14>MUST</bcp14> ignore any unrecognized sub-claims.</t>
        </section>
        <section anchor="agent-identity-aid-sub-claims">
          <name>Agent Identity <tt>aid</tt> Sub-Claims</name>
          <t>The <tt>aid</tt> claim is optional. If present, it contains the following sub-claims.</t>
          <dl>
            <dt><tt>name</tt>:</dt>
            <dd>
              <t><bcp14>REQUIRED</bcp14> - Agent name. The name should reflect the business purpose of the agent.</t>
            </dd>
            <dt><tt>creation_ip</tt>:</dt>
            <dd>
              <t><bcp14>REQUIRED</bcp14> - The public IP address of the system / agent that requested the token.
Its value is a string containing the public IPv4 or IPv6 address from where the
token request originated. It <bcp14>MUST</bcp14> be captured directly from the token request.</t>
            </dd>
            <dt><tt>source_ips</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Valid public IP address, or range of public IP addresses, from where
the system / agent's requests to merchants / services will originate. Array of
comma-separated IPv4 addresses or ranges, IPv6 addresses or ranges, or domain
names resolvable to an IP address via DNS. IPv4 and IPv6 addresses can be a
single IPv4 or IPv6 address or a range of IPv4 or IPv6 addresses in CIDR notation
or start-and-end IP pairs.</t>
            </dd>
          </dl>
          <t>Additional sub-claims <bcp14>MAY</bcp14> be defined and used.
The recipient <bcp14>MUST</bcp14> ignore any unrecognized sub-claims.</t>
        </section>
      </section>
      <section anchor="pay-token">
        <name>PAY Token</name>
        <t>The following payment related claims are used within PAY and KYA-PAY type tokens:</t>
        <dl>
          <dt><tt>tpr</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - JSON string representing target service price in currency units.</t>
          </dd>
          <dt><tt>tps</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - Target pricing scheme, which represents a way for the target list
how it charges for its service or content. One of <tt>pay_per_use</tt>,
<tt>subscription</tt>, <tt>pay_per_mb</tt>, or <tt>custom</tt>.  Additional values may be defined
and used.</t>
          </dd>
          <dt><tt>amt</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - JSON string representing token amount in currency units.</t>
          </dd>
          <dt><tt>cur</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - Currency unit, represented as an ISO 4217 three letter code, such as "EUR".</t>
          </dd>
          <dt><tt>val</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - JSON string representing token amount in settlement network's units.</t>
          </dd>
          <dt><tt>mnr</tt>:</dt>
          <dd>
            <t><bcp14>OPTIONAL</bcp14> - JSON number representing maximum number of requests when <tt>tps</tt> is <tt>pay_per_use</tt>.</t>
          </dd>
          <dt><tt>stp</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - Settlement type (one of <tt>coin</tt> or <tt>card</tt>).  Additional values may be defined and used.</t>
          </dd>
          <dt><tt>sti</tt>:</dt>
          <dd>
            <t><bcp14>REQUIRED</bcp14> - Meta information for payment settlement, depending on settlement.
type.</t>
          </dd>
        </dl>
        <section anchor="settlement-information-sti-sub-claims">
          <name>Settlement Information <tt>sti</tt> Sub-Claims</name>
          <t>The <tt>sti</tt> claim is optional. If present, it <bcp14>MAY</bcp14> contain the following sub-claims,
all of which are <bcp14>OPTIONAL</bcp14>.</t>
          <dl>
            <dt><tt>type</tt>:</dt>
            <dd>
              <t><bcp14>REQUIRED</bcp14> - "type" is dependent on the "stp" value; for "coin" - "usdc";
for "card" - "visa_vic" or "mastercard_scof".  Additional values may be defined and used.</t>
            </dd>
            <dt><tt>payment_token</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - String containing Virtual Payment Card Number in ISO/IEC 7812 format. 12-19 characters.</t>
            </dd>
            <dt><tt>token_expiration_month</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - String containing two-digit Expiration Month Number.</t>
            </dd>
            <dt><tt>token_expiration_year</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - String containing four-digit Expiration Year.</t>
            </dd>
            <dt><tt>token_security_code</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - String containing 3 or 4 digit CVV code.</t>
            </dd>
            <dt><tt>verifier</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - URL of the Payment Verifier</t>
            </dd>
            <dt><tt>verified</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Boolean Verification status.  True if verified, otherwise false.</t>
            </dd>
            <dt><tt>verification_id</tt>:</dt>
            <dd>
              <t><bcp14>OPTIONAL</bcp14> - Verification identifier. Identifier for the verification performed, such as a GUID.</t>
            </dd>
          </dl>
          <t>Additional sub-claims <bcp14>MAY</bcp14> be defined and used.
The recipient <bcp14>MUST</bcp14> ignore any unrecognized sub-claims.</t>
        </section>
        <section anchor="pay">
          <name>PAY Token Example</name>
          <t>The following informative example displays a decoded PAY type token.</t>
          <figure anchor="example-decoded-pay-token">
            <name>A PAY type token</name>
            <artwork align="left"><![CDATA[
{
  "kid": "FgT4q8c5IqbBCCjcho5JdeGQvuK1keMDFc9IwCm8J7Y", // JWK Key ID
  "alg": "ES256",
  "typ": "pay+jwt"
}.{
  "iss": "https://example.net/pay_token_issuer", // Issuer URL
  "iat": 1742245254,
  "exp": 1773867654,
  "jti": "b9821893-7699-4d24-af06-803a6a16476b",
  "sub": "8b810549-7443-494f-b4ad-5bc65871e32b", // Initiator Agent Account ID
  "aud": "37888095-2721-48d9-a2df-bfe4075f223a", // Target Agent Account ID

  "env": "sandbox",
  "tsi": "274efc47-024e-466f-b278-152d2ee73955", // Target Service ID
  "itg": "16c135ce-a99a-453d-a7b5-4958fd91de5f", // Initiator Tag (Internal Reference ID)

  "tpr": "0.01",
  "tps": "pay_per_use",
  "amt": "15",
  "cur": "USD",
  "val": "15000000",
  "mnr": 1600,
  "stp": "card",
  "sti": {
    "type": "visa_vic",
    "paymentToken": "1234567890123456",
    "tokenExpirationMonth": "03",
    "tokenExpirationYear": "2030",
    "tokenSecurityCode": "123",
    "verifier": "https://verifier.example.info", // URL of payment method verifier
    "verified": true, // Outcome of the verifier's payment method verification
    "verification_id": "3a6e1b76-8f78-4c24-b1bd-dc78a8cc3711" // Identifier for the verification performed, such as a GUID.
  }
}

]]></artwork>
          </figure>
        </section>
      </section>
      <section anchor="kya-pay-token">
        <name>KYA-PAY Token</name>
        <t>The following informative example displays a decoded KYA-PAY type token.</t>
        <figure anchor="example-decoded-kya-pay-token">
          <name>A KYA-PAY type token</name>
          <artwork align="left"><![CDATA[
{
  "kid": "YjFdJgFNWj9AkUmtoXILwoeb37PsBuGWVK6_QvFLwJw", // JWK Key ID
  "alg": "ES256",
  "typ": "kya-pay+jwt"
}.{
  "iss": "kya-pay.example.org", // Issuer URL
  "iat": 1742245254,
  "exp": 1773867654,
  "jti": "b9821893-7699-4d24-af06-803a6a16476b",
  "sub": "f24a431d-108c-46e6-9357-b428c528210e", // Initiator Agent Account ID
  "aud": "5e00177d-ff7f-424b-8c83-2756e15efbed", // Target Agent Account ID

  "env": "production",
  "tsi": "3e6d33a1-438e-482e-bba5-6aa69544727d", // Target Service ID
  "itg": "c52e0ef2-e27d-4e95-862e-475a904ae7b2", // Initiator Tag (Internal Reference ID)

  "hid": {
    "email": "maryjane@initiator.example.com",
    "given_name": "Mary",
    "middle_name": "Jane",
    "family_name": "Doe",
    "phone_number": "+1-425-555-1212",
    "verified": false
  },
  "apd": {
    "id": "4b087db2-b6e5-48b8-8737-1aa8ddf4c4fe", // Agent platform ID
    "name": "Acme Shopping Agents", // Agent platform name
    "email": "platform@acme.com", // Email address for the agent platform
    "phone_number": "+12345677890", // Phone number for the agent platform
    "organization_name": "Acme Shopping Inc.", // Legal name of the agent platform
    "verifier": "https://www.verifier.com/", // URL of the Identity verifier
    "verified": true, // Outcome of the verifier's KYA verification
    "verification_id": "a23c1fe4-a4b7-442d-8bca-3c8fad5ec3a6" // Verifier's verification ID
  },
  "aid": {
    "name": "Agentic Excellence Я Us",
    "creation_ip": "128.2.42.95", // IP Address where token was created
    "source_ips": ["54.86.50.139-54.86.50.141", "1.1.1.0/24",
      "2001:db8:abcd:0012::/64", "agentic-excellence.example.com"]
      // IP addresses from which the initiator agent will make requests to the target
  },

  "tpr": "0.01",
  "tps": "pay_per_use",
  "amt": "15",
  "cur": "USD",
  "val": "15000000",
  "mnr": 1600,
  "stp": "card",
  "sti": {
    "type": "visa_vic",
    "paymentToken": "1234567890123456",
    "tokenExpirationMonth": "03",
    "tokenExpirationYear": "2030",
    "tokenSecurityCode": "123"
  }
}

]]></artwork>
        </figure>
      </section>
    </section>
    <section anchor="token-validation">
      <name>Token Validation</name>
      <section anchor="validating-kya-and-pay-tokens">
        <name>Validating KYA and PAY Tokens</name>
        <section anchor="jwt-header-validation">
          <name>JWT Header Validation</name>
          <ol spacing="normal" type="1"><li>
              <t><tt>alg</tt> - JWTs <bcp14>MUST</bcp14> be signed using allowed JWA algorithms (currently, <tt>ES256</tt>).</t>
            </li>
            <li>
              <t><tt>kid</tt> - The <tt>kid</tt> claim <bcp14>MUST</bcp14> be present, and set to a valid Key ID discoverable
via the issuer's (payload <tt>iss</tt> claim) JWK Set.</t>
            </li>
            <li>
              <t><tt>typ</tt> - The <tt>typ</tt> header parameter value <bcp14>MUST</bcp14> be one of: <tt>kya+jwt</tt>, <tt>pay+jwt</tt>, or <tt>kya-pay+jwt</tt>.</t>
            </li>
          </ol>
        </section>
        <section anchor="jwt-payload-validation">
          <name>JWT Payload Validation</name>
          <ol spacing="normal" type="1"><li>
              <t><strong>Verify JWT Signature</strong> - Valid JWTs <bcp14>MUST</bcp14> be signed with a valid key belonging
  To the token's issuer (<tt>iss</tt> claim)</t>
            </li>
            <li>
              <t><strong>Validate <tt>iss</tt> Claim</strong> - Ensure that the token is signed by the expected
  valid issuer.</t>
            </li>
            <li>
              <t><strong>Validate the <tt>exp</tt> Claim</strong> - The verifier <bcp14>MUST</bcp14> validate that the token has
  not expired, within the verifier's clock drift tolerance.</t>
            </li>
            <li>
              <t><strong>Validate the <tt>iat</tt> Claim</strong> - The verifier <bcp14>MUST</bcp14> validate that the token was
  issued in the past, within the verifier's clock drift tolerance.</t>
            </li>
            <li>
              <t><strong>Validate the <tt>jti</tt> Claim</strong> - Ensure that the <tt>jti</tt> claim is present, and is
  a UUID.</t>
            </li>
            <li>
              <t><strong>Validate the <tt>aud</tt> Claim</strong> - Ensure that the <tt>aud</tt> identifies the recipient as the intended audience.</t>
            </li>
            <li>
              <t><strong>Validate the <tt>env</tt> Claim</strong> - Ensure that the Environment claim is set to
  an expected and use case appropriate value (such as <tt>production</tt> or <tt>sandbox</tt>)</t>
            </li>
          </ol>
        </section>
      </section>
      <section anchor="validating-pay-tokens">
        <name>Validating PAY Tokens</name>
        <t>For tokens of type <tt>pay+jwt</tt> or <tt>kya-pay+jwt</tt>, perform the steps described in
the Validating KYA and PAY Tokens section.</t>
        <t>In addition, perform the following steps.</t>
        <ol spacing="normal" type="1"><li>
            <t>The <tt>val</tt> claim is greater than 0.</t>
          </li>
          <li>
            <t>The <tt>amt</tt> claim is greater than 0.</t>
          </li>
          <li>
            <t>The <tt>cur</tt> claim is set to a currency the target supports (such as <tt>USD</tt>)</t>
          </li>
          <li>
            <t>The <tt>tps</tt> claim, if present, matches the pricing scheme that you configured in
  the target's service</t>
          </li>
          <li>
            <t>The <tt>tpr</tt> claim, if present, matches the price that you configured in the
  target's service</t>
          </li>
        </ol>
      </section>
    </section>
    <section anchor="security-considerations">
      <name>Security Considerations</name>
      <t>When validating the JWTs described in this specification, implementers <bcp14>SHOULD</bcp14>
follow the best practices and guidelines described in <xref target="RFC8725"/>.</t>
    </section>
    <section anchor="privacy-considerations">
      <name>Privacy Considerations</name>
      <t>KYAPay tokens are designed to convey the information that
an agent is acting on behalf of a principal - a person or organization.
To do this, they will necessarily contain information about that principal
that can be verified and utilized by participants in the system.
Participants should therefore only share these tokens with other legitimate
participants and not make their contents public or disclose them to
unknown or untrustworthy parties.</t>
      <t>Consent of the principal represented to participate in the interactions is vital.
If I authorize an agent to shop for a widget at given price,
it's legitimate for the agent to carry enough information about me
to the merchant to be able to do this for me.
Whereas, if an agent claims to be shopping for me but does not have my authorization
to do so, my privacy and possibly also my financial integrity are being violated.</t>
      <t>The principle of minimal disclosure should be employed.
Only the infomation needed to facilitate the intended interactions
should be placed in the tokens and conveyed to participants.</t>
    </section>
    <section anchor="iana-considerations">
      <name>IANA Considerations</name>
      <section anchor="json-web-token-claims-registration">
        <name>JSON Web Token Claims Registration</name>
        <t>This specification registers the following Claims in
the IANA "JSON Web Token Claims" registry <xref target="IANA.JWT.Claims"/>
established by <xref target="RFC7519"/>.</t>
        <section anchor="tdm-claim">
          <name>"tdm" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: tdm</t>
            </li>
            <li>
              <t>Claim Description: Target domain the token is intended for</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#common-claims) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="tsi-claim">
          <name>"tsi" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: tsi</t>
            </li>
            <li>
              <t>Claim Description: Target Service ID that this token was created for</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#common-claims) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="ori-claim">
          <name>"ori" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: ori</t>
            </li>
            <li>
              <t>Claim Description: URL of the token's originator</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#common-claims) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="env-claim">
          <name>"env" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: env</t>
            </li>
            <li>
              <t>Claim Description: Issuer environment (such as "production" or "sandbox")</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#common-claims) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="itg-claim">
          <name>"itg" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: itg</t>
            </li>
            <li>
              <t>Claim Description: Initiator tag, an opaque reference ID internal to the initiator</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#common-claims) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="hid-claim">
          <name>"hid" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: hid</t>
            </li>
            <li>
              <t>Claim Description: JSON structure containing human identity claims</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#kya-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="apd-claim">
          <name>"apd" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: apd</t>
            </li>
            <li>
              <t>Claim Description: JSON structure containing agent platform identity claims</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#kya-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="aid-claim">
          <name>"aid" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: aid</t>
            </li>
            <li>
              <t>Claim Description: JSON structure containing agent identity claims</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#kya-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="tpr-claim">
          <name>"tpr" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: tpr</t>
            </li>
            <li>
              <t>Claim Description: JSON string representing target service price in currency units</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#pay-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="tps-claim">
          <name>"tps" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: tps</t>
            </li>
            <li>
              <t>Claim Description: Target pricing scheme, which represents a way for the target list how it charges for its service or content</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#pay-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="amt-claim">
          <name>"amt" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: amt</t>
            </li>
            <li>
              <t>Claim Description: JSON string representing token amount in currency units</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#pay-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="cur-claim">
          <name>"cur" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: cur</t>
            </li>
            <li>
              <t>Claim Description: Currency unit, represented as an ISO 4217 three letter code, such as "EUR"</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#pay-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="val-claim">
          <name>"val" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: val</t>
            </li>
            <li>
              <t>Claim Description: JSON string representing token amount in settlement network's units</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#pay-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="mnr-claim">
          <name>"mnr" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: mnr</t>
            </li>
            <li>
              <t>Claim Description: JSON number representing maximum number of requests</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#pay-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="stp-claim">
          <name>"stp" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: stp</t>
            </li>
            <li>
              <t>Claim Description: Settlement type</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#pay-token) of this specification</t>
            </li>
          </ul>
        </section>
        <section anchor="sti-claim">
          <name>"sti" Claim</name>
          <ul spacing="normal">
            <li>
              <t>Claim Name: sti</t>
            </li>
            <li>
              <t>Claim Description: Meta information for payment settlement, depending on settlement</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Reference: (#pay-token) of this specification</t>
            </li>
          </ul>
        </section>
      </section>
      <section anchor="media-types-registration">
        <name>Media Types Registration</name>
        <t>This section registers the following media types <xref target="RFC2046"/>
in the IANA "Media Types" registry <xref target="IANA.MediaTypes"/>
in the manner described in <xref target="RFC6838"/>.</t>
        <section anchor="kya-jwt-media-type">
          <name>application/kya+jwt</name>
          <ul spacing="normal">
            <li>
              <t>Type name: <tt>application</tt></t>
            </li>
            <li>
              <t>Subtype name: <tt>kya+jwt</tt></t>
            </li>
            <li>
              <t>Required parameters: n/a</t>
            </li>
            <li>
              <t>Optional parameters: n/a</t>
            </li>
            <li>
              <t>Encoding considerations: Uses JWS Compact Serialization as defined in <xref target="RFC7515"/></t>
            </li>
            <li>
              <t>Security considerations: See Security Considerations in in <xref target="RFC7519"/></t>
            </li>
            <li>
              <t>Interoperability considerations: n/a</t>
            </li>
            <li>
              <t>Published specification: (#kya-token) of this specification</t>
            </li>
            <li>
              <t>Applications that use this media type: Applications using Know Your Agent tokens</t>
            </li>
            <li>
              <t>Additional information:
              </t>
              <ul spacing="normal">
                <li>
                  <t>Magic number(s): n/a</t>
                </li>
                <li>
                  <t>File extension(s): n/a</t>
                </li>
                <li>
                  <t>Macintosh file type code(s): n/a</t>
                </li>
              </ul>
            </li>
            <li>
              <t>Person &amp; email address to contact for further information: TBD</t>
            </li>
            <li>
              <t>Intended usage: COMMON</t>
            </li>
            <li>
              <t>Restrictions on usage: none</t>
            </li>
            <li>
              <t>Author: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
          </ul>
        </section>
        <section anchor="pay-jwt-media-type">
          <name>application/pay+jwt</name>
          <ul spacing="normal">
            <li>
              <t>Type name: <tt>application</tt></t>
            </li>
            <li>
              <t>Subtype name: <tt>pay+jwt</tt></t>
            </li>
            <li>
              <t>Required parameters: n/a</t>
            </li>
            <li>
              <t>Optional parameters: n/a</t>
            </li>
            <li>
              <t>Encoding considerations: Uses JWS Compact Serialization as defined in <xref target="RFC7515"/></t>
            </li>
            <li>
              <t>Security considerations: See Security Considerations in in <xref target="RFC7519"/></t>
            </li>
            <li>
              <t>Interoperability considerations: n/a</t>
            </li>
            <li>
              <t>Published specification: (#pay-token) of this specification</t>
            </li>
            <li>
              <t>Applications that use this media type: Applications using Pay tokens</t>
            </li>
            <li>
              <t>Additional information:
              </t>
              <ul spacing="normal">
                <li>
                  <t>Magic number(s): n/a</t>
                </li>
                <li>
                  <t>File extension(s): n/a</t>
                </li>
                <li>
                  <t>Macintosh file type code(s): n/a</t>
                </li>
              </ul>
            </li>
            <li>
              <t>Person &amp; email address to contact for further information: TBD</t>
            </li>
            <li>
              <t>Intended usage: COMMON</t>
            </li>
            <li>
              <t>Restrictions on usage: none</t>
            </li>
            <li>
              <t>Author: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
          </ul>
        </section>
        <section anchor="kya-pay-jwt-media-type">
          <name>application/kya-pay+jwt</name>
          <ul spacing="normal">
            <li>
              <t>Type name: <tt>application</tt></t>
            </li>
            <li>
              <t>Subtype name: <tt>kya-pay+jwt</tt></t>
            </li>
            <li>
              <t>Required parameters: n/a</t>
            </li>
            <li>
              <t>Optional parameters: n/a</t>
            </li>
            <li>
              <t>Encoding considerations: Uses JWS Compact Serialization as defined in <xref target="RFC7515"/></t>
            </li>
            <li>
              <t>Security considerations: See Security Considerations in in <xref target="RFC7519"/></t>
            </li>
            <li>
              <t>Interoperability considerations: n/a</t>
            </li>
            <li>
              <t>Published specification: (#kya-pay-token) of this specification</t>
            </li>
            <li>
              <t>Applications that use this media type: Applications using KYA-Pay tokens</t>
            </li>
            <li>
              <t>Additional information:
              </t>
              <ul spacing="normal">
                <li>
                  <t>Magic number(s): n/a</t>
                </li>
                <li>
                  <t>File extension(s): n/a</t>
                </li>
                <li>
                  <t>Macintosh file type code(s): n/a</t>
                </li>
              </ul>
            </li>
            <li>
              <t>Person &amp; email address to contact for further information: TBD</t>
            </li>
            <li>
              <t>Intended usage: COMMON</t>
            </li>
            <li>
              <t>Restrictions on usage: none</t>
            </li>
            <li>
              <t>Author: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
            <li>
              <t>Change Controller: Michael B. Jones - michael_b_jones@hotmail.com</t>
            </li>
          </ul>
        </section>
      </section>
    </section>
  </middle>
  <back>
    <references anchor="sec-combined-references">
      <name>References</name>
      <references anchor="sec-normative-references">
        <name>Normative References</name>
        <reference anchor="RFC7515">
          <front>
            <title>JSON Web Signature (JWS)</title>
            <author fullname="M. Jones" initials="M." surname="Jones"/>
            <author fullname="J. Bradley" initials="J." surname="Bradley"/>
            <author fullname="N. Sakimura" initials="N." surname="Sakimura"/>
            <date month="May" year="2015"/>
            <abstract>
              <t>JSON Web Signature (JWS) represents content secured with digital signatures or Message Authentication Codes (MACs) using JSON-based data structures. Cryptographic algorithms and identifiers for use with this specification are described in the separate JSON Web Algorithms (JWA) specification and an IANA registry defined by that specification. Related encryption capabilities are described in the separate JSON Web Encryption (JWE) specification.</t>
            </abstract>
          </front>
          <seriesInfo name="RFC" value="7515"/>
          <seriesInfo name="DOI" value="10.17487/RFC7515"/>
        </reference>
        <reference anchor="RFC7518">
          <front>
            <title>JSON Web Algorithms (JWA)</title>
            <author fullname="M. Jones" initials="M." surname="Jones"/>
            <date month="May" year="2015"/>
            <abstract>
              <t>This specification registers cryptographic algorithms and identifiers to be used with the JSON Web Signature (JWS), JSON Web Encryption (JWE), and JSON Web Key (JWK) specifications. It defines several IANA registries for these identifiers.</t>
            </abstract>
          </front>
          <seriesInfo name="RFC" value="7518"/>
          <seriesInfo name="DOI" value="10.17487/RFC7518"/>
        </reference>
        <reference anchor="RFC7519">
          <front>
            <title>JSON Web Token (JWT)</title>
            <author fullname="M. Jones" initials="M." surname="Jones"/>
            <author fullname="J. Bradley" initials="J." surname="Bradley"/>
            <author fullname="N. Sakimura" initials="N." surname="Sakimura"/>
            <date month="May" year="2015"/>
            <abstract>
              <t>JSON Web Token (JWT) is a compact, URL-safe means of representing claims to be transferred between two parties. The claims in a JWT are encoded as a JSON object that is used as the payload of a JSON Web Signature (JWS) structure or as the plaintext of a JSON Web Encryption (JWE) structure, enabling the claims to be digitally signed or integrity protected with a Message Authentication Code (MAC) and/or encrypted.</t>
            </abstract>
          </front>
          <seriesInfo name="RFC" value="7519"/>
          <seriesInfo name="DOI" value="10.17487/RFC7519"/>
        </reference>
        <reference anchor="RFC6749">
          <front>
            <title>The OAuth 2.0 Authorization Framework</title>
            <author fullname="D. Hardt" initials="D." role="editor" surname="Hardt"/>
            <date month="October" year="2012"/>
            <abstract>
              <t>The OAuth 2.0 authorization framework enables a third-party application to obtain limited access to an HTTP service, either on behalf of a resource owner by orchestrating an approval interaction between the resource owner and the HTTP service, or by allowing the third-party application to obtain access on its own behalf. This specification replaces and obsoletes the OAuth 1.0 protocol described in RFC 5849. [STANDARDS-TRACK]</t>
            </abstract>
          </front>
          <seriesInfo name="RFC" value="6749"/>
          <seriesInfo name="DOI" value="10.17487/RFC6749"/>
        </reference>
        <reference anchor="RFC8693">
          <front>
            <title>OAuth 2.0 Token Exchange</title>
            <author fullname="M. Jones" initials="M." surname="Jones"/>
            <author fullname="A. Nadalin" initials="A." surname="Nadalin"/>
            <author fullname="B. Campbell" initials="B." role="editor" surname="Campbell"/>
            <author fullname="J. Bradley" initials="J." surname="Bradley"/>
            <author fullname="C. Mortimore" initials="C." surname="Mortimore"/>
            <date month="January" year="2020"/>
            <abstract>
              <t>This specification defines a protocol for an HTTP- and JSON-based Security Token Service (STS) by defining how to request and obtain security tokens from OAuth 2.0 authorization servers, including security tokens employing impersonation and delegation.</t>
            </abstract>
          </front>
          <seriesInfo name="RFC" value="8693"/>
          <seriesInfo name="DOI" value="10.17487/RFC8693"/>
        </reference>
        <reference anchor="RFC2119">
          <front>
            <title>Key words for use in RFCs to Indicate Requirement Levels</title>
            <author fullname="S. Bradner" initials="S." surname="Bradner"/>
            <date month="March" year="1997"/>
            <abstract>
              <t>In many standards track documents several words are used to signify the requirements in the specification. These words are often capitalized. This document defines these words as they should be interpreted in IETF documents. This document specifies an Internet Best Current Practices for the Internet Community, and requests discussion and suggestions for improvements.</t>
            </abstract>
          </front>
          <seriesInfo name="BCP" value="14"/>
          <seriesInfo name="RFC" value="2119"/>
          <seriesInfo name="DOI" value="10.17487/RFC2119"/>
        </reference>
        <reference anchor="RFC8174">
          <front>
            <title>Ambiguity of Uppercase vs Lowercase in RFC 2119 Key Words</title>
            <author fullname="B. Leiba" initials="B." surname="Leiba"/>
            <date month="May" year="2017"/>
            <abstract>
              <t>RFC 2119 specifies common key words that may be used in protocol specifications. This document aims to reduce the ambiguity by clarifying that only UPPERCASE usage of the key words have the defined special meanings.</t>
            </abstract>
          </front>
          <seriesInfo name="BCP" value="14"/>
          <seriesInfo name="RFC" value="8174"/>
          <seriesInfo name="DOI" value="10.17487/RFC8174"/>
        </reference>
      </references>
      <references anchor="sec-informative-references">
        <name>Informative References</name>
        <reference anchor="RFC2046">
          <front>
            <title>Multipurpose Internet Mail Extensions (MIME) Part Two: Media Types</title>
            <author fullname="N. Freed" initials="N." surname="Freed"/>
            <author fullname="N. Borenstein" initials="N." surname="Borenstein"/>
            <date month="November" year="1996"/>
            <abstract>
              <t>This second document defines the general structure of the MIME media typing system and defines an initial set of media types. [STANDARDS-TRACK]</t>
            </abstract>
          </front>
          <seriesInfo name="RFC" value="2046"/>
          <seriesInfo name="DOI" value="10.17487/RFC2046"/>
        </reference>
        <reference anchor="RFC6838">
          <front>
            <title>Media Type Specifications and Registration Procedures</title>
            <author fullname="N. Freed" initials="N." surname="Freed"/>
            <author fullname="J. Klensin" initials="J." surname="Klensin"/>
            <author fullname="T. Hansen" initials="T." surname="Hansen"/>
            <date month="January" year="2013"/>
            <abstract>
              <t>This document defines procedures for the specification and registration of media types for use in HTTP, MIME, and other Internet protocols. This memo documents an Internet Best Current Practice.</t>
            </abstract>
          </front>
          <seriesInfo name="BCP" value="13"/>
          <seriesInfo name="RFC" value="6838"/>
          <seriesInfo name="DOI" value="10.17487/RFC6838"/>
        </reference>
        <reference anchor="RFC8725">
          <front>
            <title>JSON Web Token Best Current Practices</title>
            <author fullname="Y. Sheffer" initials="Y." surname="Sheffer"/>
            <author fullname="D. Hardt" initials="D." surname="Hardt"/>
            <author fullname="M. Jones" initials="M." surname="Jones"/>
            <date month="February" year="2020"/>
            <abstract>
              <t>JSON Web Tokens, also known as JWTs, are URL-safe JSON-based security tokens that contain a set of claims that can be signed and/or encrypted. JWTs are being widely used and deployed as a simple security token format in numerous protocols and applications, both in the area of digital identity and in other application areas. This Best Current Practices document updates RFC 7519 to provide actionable guidance leading to secure implementation and deployment of JWTs.</t>
            </abstract>
          </front>
          <seriesInfo name="BCP" value="225"/>
          <seriesInfo name="RFC" value="8725"/>
          <seriesInfo name="DOI" value="10.17487/RFC8725"/>
        </reference>
        <reference anchor="IANA.JWT.Claims" target="https://www.iana.org/assignments/jwt">
          <front>
            <title>JSON Web Token Claims</title>
            <author initials="" surname="IANA" fullname="IANA">
              <organization/>
            </author>
            <date>n.d.</date>
          </front>
        </reference>
        <reference anchor="IANA.MediaTypes" target="https://www.iana.org/assignments/media-types">
          <front>
            <title>Media Types</title>
            <author initials="" surname="IANA" fullname="IANA">
              <organization/>
            </author>
            <date>n.d.</date>
          </front>
        </reference>
      </references>
    </references>
    <?line 939?>

<section numbered="false" anchor="document-history">
      <name>Document History</name>
      <t>[[ to be removed by the RFC Editor before publication as an RFC ]]</t>
      <t>-02</t>
      <ul spacing="normal">
        <li>
          <t>Changed terms buyer and seller to initiator and target to generalize applicability.
These claim names were changed: "sdm" to "tdm", "ssi" to "tsi", "btg" to "itg",
"spr" to "tpr", and "sps" to "tps".</t>
        </li>
        <li>
          <t>Updated Settlement Information sti Sub-Claims.</t>
        </li>
        <li>
          <t>Changed specification type from Informative to Proposed Standard.</t>
        </li>
      </ul>
      <t>-01</t>
      <ul spacing="normal">
        <li>
          <t>Removed "srl" (Seller Resource Locator) claim.</t>
        </li>
      </ul>
      <t>-00</t>
      <ul spacing="normal">
        <li>
          <t>Initial Internet Draft.</t>
        </li>
      </ul>
    </section>
    <section anchor="contributors" numbered="false" toc="include" removeInRFC="false">
      <name>Contributors</name>
      <contact initials="A." surname="Stitt" fullname="Andrew Stitt">
        <organization/>
        <address>
      </address>
      </contact>
      <contact initials="D." surname="Zagidulin" fullname="Dmitri Zagidulin">
        <organization/>
        <address>
      </address>
      </contact>
    </section>
  </back>
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