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From: Ankit Agarwal <ankit@tryskyfire.com>
Date: Thu, 5 Nov 2026 16:12:59 -0800
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Hi Jean,

The open points from your review are now tracked as issues:

- Separate KYA and PAY tokens in one request:
https://www.google.com/url?q=3Dhttps://github.com/skyfire-xyz/draft-skyfire=
-oauth-using-kyapay-tokens/issues/23&source=3Dgmail&ust=3D1794009644763000&=
sa=3DE
The token draft (-03) already says the two refer to the same initiator only
when both "iss" and "sub" are equal; the issue is about pointing to that
from the Using draft.
- Human in the Loop, letting a site ask for a recent human confirmation:
https://www.google.com/url?q=3Dhttps://github.com/skyfire-xyz/draft-skyfire=
-oauth-using-kyapay-tokens/issues/24&source=3Dgmail&ust=3D1794009644763000&=
sa=3DE
- AML methods, normative references to vendor pages, and false, stale or
sensitive assertions:
https://www.google.com/url?q=3Dhttps://github.com/skyfire-xyz/draft-skyfire=
-oauth-aml-methods/issues/3&source=3Dgmail&ust=3D1794009644763000&sa=3DE
https://www.google.com/url?q=3Dhttps://github.com/skyfire-xyz/draft-skyfire=
-oauth-aml-methods/issues/4&source=3Dgmail&ust=3D1794009644763000&sa=3DE

Ankit


On Mon, Sep 21, 2026 08:19 AM, "Jean Diaconu (jdiaconu)" <jdiaconu@cisco.co=
m>
wrote:

> Hello Mike,
>
> I did receive the message and the PR, thanks !!
> I'll check it asap.
>
> Best,
>
>
>
> *Jean Diaconu  *
> ------------------------------
> *De :* Michael Jones <michael_b_jones@hotmail.com>
> *Envoy=C3=A9 :* vendredi, septembre 18, 2026 8:50 PM
> *=C3=80 :* Jean Diaconu (jdiaconu) <jdiaconu@cisco.com>; oauth@ietf.org <
> oauth@ietf.org>
> *Objet :* RE: [OAUTH-WG] Review of draft-skyfire-oauth-kyapay-*
>
>
> Hi Jean,
>
>
>
> I replied to your reviews on the OAuth mailing list.  Let me know if you
> received the reply, as there has been some delivery flakiness as of late.
>
>
>
>                                                                 Thanks
> again,
>
>                                                                 -- Mike
>
>
>
> *From:* Michael Jones
> *Sent:* Friday, September 18, 2026 11:47 AM
> *To:* 'Jean Diaconu (jdiaconu)' <jdiaconu=3D40cisco.com@dmarc.ietf.org>;
> oauth@ietf.org
> *Subject:* RE: [OAUTH-WG] Review of draft-skyfire-oauth-kyapay-*
>
>
>
> Many thanks for the useful reviews, Jean!  My replies are inline below,
> prefixed by =E2=80=9CMike>=E2=80=9D.  You=E2=80=99ll find links to a numb=
er of PRs and issues filed
> as a result of your reviews, Jean.  Please review!
>
>
>
>                                                                 -- Mike
>
>
>
> *From:* Jean Diaconu (jdiaconu) <*jdiaconu=3D40cisco.com@dmarc.ietf.org
> <jdiaconu=3D40cisco.com@dmarc.ietf.org>*>
> *Sent:* Wednesday, September 9, 2026 2:07 AM
> *To:* *oauth@ietf.org <oauth@ietf.org>*
> *Subject:* [OAUTH-WG] Review of draft-skyfire-oauth-kyapay-*
>
>
>
> Hello Mike, Ankit,
>
>
>
> Please find below a quick review of the "draft-skyfire-oauth-kyapay-*"
> drafts:
>
>
>
> *Main Draft (Human)*
>
> 1.1 "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"
>
> =3D> not all bots all malicious, maybe it's a strong word
>
>
>
> 3.2 aid is flagged as required but in 3.2.3 is optional
>
> (same for sti)
>
>
>
> Mike> I have attempted to address these comments in *https://github.com/s=
kyfire-xyz/draft-skyfire-oauth-kyapay-token/pull/49
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-kyapay-token/pull/49>=
*.
> Note that =E2=80=9Caid=E2=80=9D and =E2=80=9Csti=E2=80=9D are already des=
ignated as REQUIRED in the
> editor=E2=80=99s draft at *https://skyfire-xyz.github.io/draft-skyfire-oa=
uth-using-kyapay-tokens/#go.draft-skyfire-oauth-using-kyapay-tokens.html
> <https://skyfire-xyz.github.io/draft-skyfire-oauth-using-kyapay-tokens/#g=
o.draft-skyfire-oauth-using-kyapay-tokens.html>*
> .
>
>
>
> 3.2.1 What is an example of verifier below ? Is some "method" also needed=
 ?
>
>
>
> verifier:
>
> OPTIONAL - URL of the Identity Verifier
>
> verified:
>
> OPTIONAL - Boolean Verification status. True if verified, otherwise false=
.
>
> verification_id:
>
> OPTIONAL - Verification identifier. Identifier for the verification
> performed, such as a GUID.
>
>
>
> Mike> I=E2=80=99ve opened *https://github.com/skyfire-xyz/draft-skyfire-o=
auth-kyapay-token/issues/50
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-kyapay-token/issues/5=
0>* to
> track the need to improve the verifier description.
>
>
>
> Globally
>
> =3D> Any thoughts about possible replay attacks
>
>
>
> Mike> Replay attacks can be detected using the =E2=80=9Cjti=E2=80=9D clai=
m.  I=E2=80=99ve added
> this to *PR #49
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-kyapay-token/pull/49>=
*.
> Also, short token lifetimes are recommended as a defense against replay.
>
>
>
> =3D> Maybe enrich the examples for the combinations KYA+PAY
>
>
>
> Mike> What kinds of additional examples would be useful to you?
>
>
>
> *draft-skyfire-oauth-kyapay-token-exchange-01 (Human)*
>
>
>
> 3.1 The scope becomes from "" to "openid profile email mcp =3D> what is t=
he
> logic behind this
>
>
>
> Mike> I have a question outstanding about this to the engineers who built
> the prototype that these examples are taken from.
>
>
>
> In the example the sub is translated from the hid? I see client_metadata
> but it still feels that we could add more about the delegation behind too
> (act claim etc.)
>
>
>
> Mike> I am reworking this part of the spec.  Stay tuned=E2=80=A6
>
>
>
> *draft-skyfire-oauth-using-kyapay-tokens-00 (Human)*
>
>
>
> 1. Bots were unwelcome, and they remain unwelcome. =3D> It depends, can
> we say "mostly unwelcome" ?
>
>
>
> See *https://github.com/skyfire-xyz/draft-skyfire-oauth-using-kyapay-toke=
ns/pull/5
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-using-kyapay-tokens/p=
ull/5>*
> .
>
>
>
> Now we get the answers of the main draft: replay / verifier structure
>
>
>
> 4.3. The Proof-of-Possession Path (Planned Evolution)
>
> Is D&B a solution for this work ? They are working on issuing VCs (Ankit
> is aware)
>
>
>
> Mike> This section is about cryptographic proof of possession.  D&B is
> potentially relevant to the identity proofing claims.
>
>
>
> 6.1 Maybe some precisions if there needs to be correlation between the
> tokens (like KYA and PAY)
>
>
>
> Mike> They KYA and PAY claims separate sets of claims in a KYAPay token.
> They are bound together by the signature over the token.  Is there
> additional correlation between the two sets of claims that you believe ar=
e
> needed and when would they be needed?
>
>
>
> Globally
>
> =3D> It feels that more or less we're good a proving provenance/delegatio=
n.
> Is it pertinent, at least for the most sensitive operations, to also
> include a HIL ?
>
>
>
> Mike> Yes, there are situations in which it=E2=80=99s important to be abl=
e to have
> a Human in the Loop.  The KYAPay flows accommodate this.  =E2=80=9CHuman =
in the
> Loop=E2=80=9D considerations sound more like they belong in the Using KYA=
Pay spec?
> Do you have suggested text and a possible location, Jean?
>
>
>
> *draft-skyfire-oauth-aml-methods-00*
>
> [Claude]
>
> 1. Five normative references to vendor blogs and product pages (Thomson
> Reuters, Moody's, Swift, Persona, plus a Treasury FAQ index) =E2=80=94 tw=
o entirely
> undated, none definitional. FATF Recommendations / Glossary are the citab=
le
> substitutes, and as informative references.
>
>
>
> Mike> I=E2=80=99ve filed *https://github.com/skyfire-xyz/draft-skyfire-oa=
uth-aml-methods/issues/3
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/issues/3>=
* about
> this issue.
>
>
>
> 2. Records that screening ran, never its result =E2=80=94 no outcome, dat=
e, lists,
> or expiry =E2=80=94 so no target can discharge an AML obligation from it,=
 which is
> the stated motivation.
>
>
>
> Mike> This parallels the way that =E2=80=9Camr=E2=80=9D values are used. =
 This is
> described in *https://github.com/skyfire-xyz/draft-skyfire-oauth-aml-meth=
ods/pull/5
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/pull/5>*.
>
>
>
> 3. Privacy is one sentence for the most sensitive claim in the family.
> pep, adv, and sanc disclose screening status about a named person to bot
> managers, CDNs, and fraud vendors; and because there's no outcome, the on=
ly
> safe reading of any value is adverse. Tipping-off rules (e.g. 4AMLD
> Art. 39) need analysis.
>
>
>
> Mike> The intent is that the inclusion of a value indicates compliance.
>
>
>
> 4. ofac =E2=8A=82 sanc, and it's the only jurisdiction-specific value in =
a
> document claiming worldwide scope; nominating the AMR designated experts =
to
> adjudicate AML semantics raises the venue question.
>
>
>
> Mike> In the =E2=80=9Camr=E2=80=9D values there are other values that are=
 subsets.  For
> instance =E2=80=9Chwk=E2=80=9D =E2=8A=82 =E2=80=9Cpop=E2=80=9D.  This isn=
=E2=80=99t necessarily a reason to remove the
> subset value if it=E2=80=99s useful in some cases in practice.
>
>
>
> [GPT 5.6 Sol]
>
> 1. Records that screening occurred, but not whether it passed, matched, o=
r
> was inconclusive.
>
>
>
> Mike> Again, the intent is that if a value is included, compliance is
> indicated.
>
>
>
> 2. Missing subject, time, validity, jurisdiction, list/provider, and
> evidence identifier.
>
>
>
> Mike> Again, this intentionally parallels the way that =E2=80=9Camr=E2=80=
=9D values are
> used.
>
>
>
> 3. ofac, sanc, watch, and pep overlap without composition rules.
>
>
>
> Mike> =E2=80=9Camr=E2=80=9D values also sometimes overlap, which hasn=E2=
=80=99t hurt their
> applicability.  That said, suggestions for particular adjustments or
> refinements are welcome.
>
>
>
> 4. =E2=80=9COFAC Compliance=E2=80=9D improperly implies a broad complianc=
e conclusion.
>
>
>
> Mike> How should this description be improved?
>
>
>
> 5. Security/privacy sections do not address false, stale, or sensitive AM=
L
> assertions.
>
>
>
> Mike> I=E2=80=99ve filed *https://github.com/skyfire-xyz/draft-skyfire-oa=
uth-aml-methods/issues/4
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/issues/4>=
* about
> this issue.
>
>
>
> *draft-skyfire-oauth-amr-values-01*
>
> [Claude]
>
> 1. Four of ten duplicate already-registered values: sqa=E2=8A=82kba, code=
=E2=89=88otp,
> call=E2=89=88tel, facliv/face =E2=80=94 against the registry's own review=
 criterion.
>
>
>
> Mike> Security questions somewhat distinct from knowledge-based
> questions.  Not all codes are OTPs.  Liveness detection is the new featur=
e
> in =E2=80=9Cfacliv=E2=80=9D.
>
>
>
> Mike> I agree that =E2=80=9Ccall=E2=80=9D is a dup of =E2=80=9Ctel=E2=80=
=9D.  This is removed in *https://github.com/skyfire-xyz/draft-skyfire-oaut=
h-amr-values/pull/7
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-amr-values/pull/7>*.
>
>
>
> 2. email, code, and url overlap each other with no composition rules;
> email is literally defined as the union of the other two.
>
>
>
> Mike> As with other uses of =E2=80=9Camr=E2=80=9D, all the applicable val=
ues may be
> returned.
>
>
>
> 3. psk means pre-shared key throughout the IETF (TLS-PSK, IKEv2, EAP-PSK)=
.
> Rename; and the distinction worth conveying =E2=80=94 device-bound vs. sy=
nced
> passkey =E2=80=94 can't be expressed by one flat value.
>
>
>
> Mike> Renamed "psk" to "passkey" in the PR because of the potential
> confusion with pre-shared key.  Device-bound passkeys can be indicated
> using =E2=80=9Chwk=E2=80=9D and synced passkeys can be indicated using =
=E2=80=9Cswk=E2=80=9D.
>
>
>
> 4. Every description is unsourced, a regression from RFC 8176, which
> anchored all 21 values in external definitions.
>
>
>
> Mike> I have added *https://github.com/skyfire-xyz/draft-skyfire-oauth-am=
r-values/issues/6
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-amr-values/issues/6>*=
 to
> track this issue.
>
>
>
> [GPT 5.6 Sol]
>
> 1. call duplicates existing tel; sqa overlaps kba; code overlaps otp.
>
>
>
> Mike> Same answer as above
>
>
>
> 2. Values mix channels and products (email, app) with actual
> authentication methods.
>
>
>
> Mike> This matches requests from deployers.
>
>
>
> 3. No composition rules for combinations such as email + code or passkey =
+
> biometric.
>
>
>
> Mike> As with other uses of =E2=80=9Camr=E2=80=9D, all the applicable val=
ues may be
> returned.
>
>
>
> 4. bg bundles unrelated device, network, geolocation, and risk signals.
>
>
>
> Mike> It being silent makes it unique.
>
>
>
> 5. sqa lacks a warning that security questions are not acceptable
> authentication secrets under current NIST guidance.
>
>
>
> I have added this warning to the security considerations in the PR.
>
>
>
> *draft-skyfire-oauth-id-verification-01*
>
> [Claude]
>
> 1. Duplicates verified_claims =E2=80=94 already in the IANA JWT Claims re=
gistry,
> with time, assurance_level, and evidence methods pipp/sripp/eid mapping
> almost one-to-one onto these values =E2=80=94 and RFC 8485's vot (P =3D i=
dentity
> proofing). Neither is mentioned.
>
>
>
> Mike> This parallels the way that =E2=80=9Camr=E2=80=9D values are used. =
 This is
> described in *https://github.com/skyfire-xyz/draft-skyfire-oauth-id-verif=
ication/pull/8
> <https://github.com/skyfire-xyz/draft-skyfire-oauth-id-verification/pull/=
8>*
> .
>
>
>
> Mike> The relationship to the OpenID IDA work is also described, as is
> the relationship to Vectors of Trust.
>
>
>
> 2. Records the method but not the time, outcome, verifier, or level, so i=
t
> can't support the assurance decisions the siblings build on it.
>
>
>
> Mike> The PR describes that the "ivm" claim contains a set of identity
> verification methods that succeeded.
>
>
>
> 3. One top-level array cannot scope to hid vs. apd, both of which the bas=
e
> spec allows to be independently verified.
>
>
>
> Mike> This applies to =E2=80=9Chid=E2=80=9D.
>
>
>
> 4. Three different IANA field-name schemes across eight registrations
> (template says "Specification Document(s)"; six entries say "Reference";
> two use the AMR registry's field names).
>
>
>
> Mike> Thanks =E2=80=93 corrected in the PR
>
>
>
> [GPT 5.6 Sol]
>
> 1. No verification result, time, assurance level, trust framework, or
> evidence provenance.
>
>
>
> Mike> Same answer as above
>
>
>
> 2. dbv, dbv1, and dbvm overlap; source count alone does not establish
> assurance.
>
>
>
> Mike> Business people tell me that single and multiple and different from
> a compliance perspective.  Yes, the overlap is expected - just as "hwk=E2=
=80=9D,
> =E2=80=9Cswk=E2=80=9D, and =E2=80=9Cpop=E2=80=9D overlap.
>
>
>
> 3. Evidence types (dig, phy) are mixed with channels or ceremonies (inp,
> vid).
>
>
>
> Mike> The same is true of =E2=80=9Camr=E2=80=9D.  The vocabulary is inten=
ded to be
> expressive =E2=80=93 not mutually exclusive.
>
>
>
> 4. Methods are not bound to particular verified attributes or entities.
>
>
>
> This applies to =E2=80=9Chid=E2=80=9D.
>
>
>
> 5. The draft duplicates concepts already modeled more completely by OpenI=
D
> Identity Assurance.
>
>
>
> Mike> The relationship to OpenID Identity Assurance is now described.
>
>
>
> Have a nice day,
>
> Best,
>
>
> _______________________________________________
> OAuth mailing list -- oauth@ietf.org
> To unsubscribe send an email to oauth-leave@ietf.org
>

--00000000000032d6f7065f907a9c
Content-Type: text/html; charset="UTF-8"
Content-Transfer-Encoding: quoted-printable

<div dir=3D"ltr"><div><div dir=3D"auto">Hi Jean,<br><br>The open points fro=
m your review are now tracked as issues:<br><br>- Separate KYA and PAY toke=
ns in one request:<br>  <a href=3D"https://www.google.com/url?q=3Dhttps://g=
ithub.com/skyfire-xyz/draft-skyfire-oauth-using-kyapay-tokens/issues/23&amp=
;source=3Dgmail&amp;ust=3D1794009644763000&amp;sa=3DE" target=3D"_blank">ht=
tps://www.google.com/url?q=3Dhttps://github.com/skyfire-xyz/draft-skyfire-o=
auth-using-kyapay-tokens/issues/23&amp;source=3Dgmail&amp;ust=3D17940096447=
63000&amp;sa=3DE</a><br>  The token draft (-03) already says the two refer =
to the same initiator only when both &quot;iss&quot; and &quot;sub&quot; ar=
e equal; the issue is about pointing to that from the Using draft.<br>- Hum=
an in the Loop, letting a site ask for a recent human confirmation:<br>  <a=
 href=3D"https://www.google.com/url?q=3Dhttps://github.com/skyfire-xyz/draf=
t-skyfire-oauth-using-kyapay-tokens/issues/24&amp;source=3Dgmail&amp;ust=3D=
1794009644763000&amp;sa=3DE" target=3D"_blank">https://www.google.com/url?q=
=3Dhttps://github.com/skyfire-xyz/draft-skyfire-oauth-using-kyapay-tokens/i=
ssues/24&amp;source=3Dgmail&amp;ust=3D1794009644763000&amp;sa=3DE</a><br>- =
AML methods, normative references to vendor pages, and false, stale or sens=
itive assertions:<br>  <a href=3D"https://www.google.com/url?q=3Dhttps://gi=
thub.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/issues/3&amp;source=3D=
gmail&amp;ust=3D1794009644763000&amp;sa=3DE" target=3D"_blank">https://www.=
google.com/url?q=3Dhttps://github.com/skyfire-xyz/draft-skyfire-oauth-aml-m=
ethods/issues/3&amp;source=3Dgmail&amp;ust=3D1794009644763000&amp;sa=3DE</a=
><br>  <a href=3D"https://www.google.com/url?q=3Dhttps://github.com/skyfire=
-xyz/draft-skyfire-oauth-aml-methods/issues/4&amp;source=3Dgmail&amp;ust=3D=
1794009644763000&amp;sa=3DE" target=3D"_blank">https://www.google.com/url?q=
=3Dhttps://github.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/issues/4&=
amp;source=3Dgmail&amp;ust=3D1794009644763000&amp;sa=3DE</a><br><br>Ankit</=
div></div><div dir=3D"auto"><br></div></div><br><div class=3D"gmail_extra">=
<div>On Mon, Sep 21, 2026 08:19 AM, &quot;Jean Diaconu (jdiaconu)&quot; &lt=
;<a href=3D"mailto:jdiaconu@cisco.com" target=3D"_blank">jdiaconu@cisco.com=
</a>&gt; wrote:<br><blockquote class=3D"gmail_quote" style=3D"margin:0px 0p=
x 0px 0.8ex;border-left:1px solid rgb(204,204,204);padding-left:1ex">



<div>
<div dir=3D"ltr" style=3D"font-family:Aptos,Aptos_MSFontService,-apple-syst=
em,Roboto,Arial,Helvetica,sans-serif;font-size:12pt">
Hello Mike,</div>
<div dir=3D"ltr" style=3D"font-family:Aptos,Aptos_MSFontService,-apple-syst=
em,Roboto,Arial,Helvetica,sans-serif;font-size:12pt">
<br>
</div>
<div dir=3D"ltr" style=3D"font-family:Aptos,Aptos_MSFontService,-apple-syst=
em,Roboto,Arial,Helvetica,sans-serif;font-size:12pt">
I did receive the message and the PR, thanks !!</div>
<div dir=3D"ltr" style=3D"font-family:Aptos,Aptos_MSFontService,-apple-syst=
em,Roboto,Arial,Helvetica,sans-serif;font-size:12pt">
I&#39;ll check it asap.</div>
<div style=3D"font-family:Aptos,Aptos_MSFontService,-apple-system,Roboto,Ar=
ial,Helvetica,sans-serif;font-size:12pt" dir=3D"ltr">
<div dir=3D"ltr" style=3D"font-family:Aptos,Aptos_MSFontService,-apple-syst=
em,Roboto,Arial,Helvetica,sans-serif;font-size:12pt">
<br>
</div>
</div>
<div style=3D"font-family:Aptos,Aptos_MSFontService,-apple-system,Roboto,Ar=
ial,Helvetica,sans-serif;font-size:12pt">
<p style=3D"text-align:left;margin:0cm;font-family:Calibri,sans-serif;font-=
size:11pt;color:rgb(0,0,0)">
Best, =C2=A0=C2=A0=C2=A0</p>
<p style=3D"text-align:left;margin:0cm;font-family:Calibri,sans-serif;font-=
size:11pt;color:rgb(0,0,0)">
=C2=A0</p>
<p style=3D"text-align:left;margin:0cm;font-family:Calibri,sans-serif;font-=
size:11pt;color:rgb(0,0,0)">
<b>Jean Diaconu=C2=A0=C2=A0</b></p>
</div>
<div>
<div>
<hr style=3D"display:inline-block;width:98%">
<div dir=3D"ltr"><span style=3D"font-family:Calibri,sans-serif"><b>De=C2=A0=
:</b>=C2=A0Michael Jones &lt;<a href=3D"mailto:michael_b_jones@hotmail.com"=
 target=3D"_blank">michael_b_jones@hotmail.com</a>&gt;<br>
<b>Envoy=C3=A9=C2=A0:</b>=C2=A0vendredi, septembre 18, 2026 8:50 PM<br>
<b>=C3=80=C2=A0:</b>=C2=A0Jean Diaconu (jdiaconu) &lt;<a href=3D"mailto:jdi=
aconu@cisco.com" target=3D"_blank">jdiaconu@cisco.com</a>&gt;; <a href=3D"m=
ailto:oauth@ietf.org" target=3D"_blank">oauth@ietf.org</a> &lt;<a href=3D"m=
ailto:oauth@ietf.org" target=3D"_blank">oauth@ietf.org</a>&gt;<br>
<b>Objet=C2=A0:</b>=C2=A0RE: [OAUTH-WG] Review of draft-skyfire-oauth-kyapa=
y-*</span>
<div style=3D"font-family:Calibri,sans-serif">=C2=A0</div>
</div>

<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Hi Jean,</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">I replied to your reviews on the OAuth maili=
ng list.=C2=A0 Let me know if you received the reply, as there has been som=
e delivery flakiness as of late.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=
=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=
=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 Thanks again,</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=
=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=
=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 -- Mike</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<div style=3D"padding:3pt 0in 0in;border-width:1pt medium medium;border-sty=
le:solid none none;border-color:rgb(225,225,225) currentcolor currentcolor"=
>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-family:Calibri,sans-serif;font-size:11pt"><b>From:</b>=
=C2=A0Michael Jones<br>
<b>Sent:</b>=C2=A0Friday, September 18, 2026 11:47 AM<br>
<b>To:</b>=C2=A0&#39;Jean Diaconu (jdiaconu)&#39; &lt;jdiaconu=3D<a href=3D=
"mailto:40cisco.com@dmarc.ietf.org" target=3D"_blank">40cisco.com@dmarc.iet=
f.org</a>&gt;; <a href=3D"mailto:oauth@ietf.org" target=3D"_blank">oauth@ie=
tf.org</a><br>
<b>Subject:</b>=C2=A0RE: [OAUTH-WG] Review of draft-skyfire-oauth-kyapay-*<=
/span></p>
</div>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Many thanks for the useful reviews, Jean!=C2=
=A0 My replies are inline below, prefixed by =E2=80=9CMike&gt;=E2=80=9D.=C2=
=A0 You=E2=80=99ll find links to a number of PRs and issues filed as a resu=
lt of your reviews, Jean.=C2=A0 Please review!</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=
=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=
=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=
=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0=C2=A0 -- Mike</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<div style=3D"padding:3pt 0in 0in;border-width:1pt medium medium;border-sty=
le:solid none none;border-color:rgb(225,225,225) currentcolor currentcolor"=
>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-family:Calibri,sans-serif;font-size:11pt"><b>From:</b>=
=C2=A0Jean Diaconu (jdiaconu) &lt;</span><span style=3D"font-family:Calibri=
,sans-serif;font-size:11pt;color:rgb(70,120,134)"><u><a href=3D"mailto:jdia=
conu=3D40cisco.com@dmarc.ietf.org" style=3D"color:rgb(70,120,134);margin-to=
p:0px;margin-bottom:0px" target=3D"_blank">jdiaconu=3D40cisco.com@dmarc.iet=
f.org</a></u></span><span style=3D"font-family:Calibri,sans-serif;font-size=
:11pt">&gt;<br>
<b>Sent:</b>=C2=A0Wednesday, September 9, 2026 2:07 AM<br>
<b>To:</b> </span><span style=3D"font-family:Calibri,sans-serif;font-size:1=
1pt;color:rgb(70,120,134)"><u><a href=3D"mailto:oauth@ietf.org" style=3D"co=
lor:rgb(70,120,134);margin-top:0px;margin-bottom:0px" target=3D"_blank">oau=
th@ietf.org</a></u></span><span style=3D"font-family:Calibri,sans-serif;fon=
t-size:11pt"><br>
<b>Subject:</b>=C2=A0[OAUTH-WG] Review of draft-skyfire-oauth-kyapay-*</spa=
n></p>
</div>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Hello Mike, Ankit,</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Please find below a quick review of the &quot;d=
raft-skyfire-oauth-kyapay-*&quot; drafts:</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black"><b>Main Draft (Human)</b></span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">1.1 &quot;Because these agents can be hard to d=
istinguish from traditional bots, they are often inadvertently blocked, cre=
ating a need for the web security ecosystem to distinguish between legitima=
te agentic traffic and truly malicious
 activity&quot;</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=3D&gt; not all bots all malicious, maybe it&#3=
9;s a strong word</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3.2 aid is flagged as required but in 3.2.3 is =
optional</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">(same for sti)</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; I have attempted to address these c=
omments in
</span><span style=3D"font-size:11pt;color:rgb(70,120,134)"><u><a href=3D"h=
ttps://github.com/skyfire-xyz/draft-skyfire-oauth-kyapay-token/pull/49" sty=
le=3D"color:rgb(70,120,134);margin-top:0px;margin-bottom:0px" target=3D"_bl=
ank">https://github.com/skyfire-xyz/draft-skyfire-oauth-kyapay-token/pull/4=
9</a></u></span><span style=3D"font-size:11pt">.=C2=A0
 Note that =E2=80=9Caid=E2=80=9D and =E2=80=9Csti=E2=80=9D are already desi=
gnated as REQUIRED in the editor=E2=80=99s draft at
</span><span style=3D"font-size:11pt;color:rgb(70,120,134)"><u><a href=3D"h=
ttps://skyfire-xyz.github.io/draft-skyfire-oauth-using-kyapay-tokens/#go.dr=
aft-skyfire-oauth-using-kyapay-tokens.html" style=3D"color:rgb(70,120,134);=
margin-top:0px;margin-bottom:0px" target=3D"_blank">https://skyfire-xyz.git=
hub.io/draft-skyfire-oauth-using-kyapay-tokens/#go.draft-skyfire-oauth-usin=
g-kyapay-tokens.html</a></u></span><span style=3D"font-size:11pt">.</span><=
/p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3.2.1 What is an example of verifier below ? Is=
 some &quot;method&quot; also needed ?</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">verifier:</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">OPTIONAL - URL of the Identity Verifier</span><=
/p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">verified:</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">OPTIONAL - Boolean Verification status. True if=
 verified, otherwise false.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">verification_id:</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">OPTIONAL - Verification identifier. Identifier =
for the verification performed, such as a GUID.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; I=E2=80=99ve opened </span><span style=
=3D"color:rgb(70,120,134)"><u><a href=3D"https://github.com/skyfire-xyz/dra=
ft-skyfire-oauth-kyapay-token/issues/50" style=3D"color:rgb(70,120,134);mar=
gin-top:0px;margin-bottom:0px" target=3D"_blank">https://github.com/skyfire=
-xyz/draft-skyfire-oauth-kyapay-token/issues/50</a></u></span>=C2=A0to
 track the need to improve the verifier description.</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Globally</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=3D&gt; Any thoughts about possible replay atta=
cks</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; Replay attacks can be detected usin=
g the =E2=80=9Cjti=E2=80=9D claim.=C2=A0 I=E2=80=99ve added this to
</span><span style=3D"font-size:11pt;color:rgb(70,120,134)"><u><a href=3D"h=
ttps://github.com/skyfire-xyz/draft-skyfire-oauth-kyapay-token/pull/49" sty=
le=3D"color:rgb(70,120,134);margin-top:0px;margin-bottom:0px" target=3D"_bl=
ank">PR #49</a></u></span><span style=3D"font-size:11pt">.=C2=A0
 Also, short token lifetimes are recommended as a defense against replay.</=
span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=3D&gt; Maybe enrich the examples for the combi=
nations KYA+PAY</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; What kinds of additional examples w=
ould be useful to you?</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black"><b>draft-skyfire-oauth-kyapay-token-exchange-01=
 (Human)</b></span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3.1 The scope becomes from &quot;&quot; to &quo=
t;openid profile email mcp =3D&gt; what is the logic behind this</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; I have a question outstanding about th=
is to the engineers who built the prototype that these examples are taken f=
rom.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">In the example the sub is translated from the h=
id? I see client_metadata but it still feels that we could add more about t=
he delegation behind too (act claim etc.)</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; I am reworking this part of the spec.=
=C2=A0 Stay tuned=E2=80=A6</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black"><b>draft-skyfire-oauth-using-kyapay-tokens-00 (=
Human)</b></span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">1. Bots were unwelcome, and they remain unwelco=
me. =3D&gt; It depends, can we=C2=A0say &quot;mostly unwelcome&quot; ?</spa=
n></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">See </span><span style=3D"font-size:11pt;col=
or:rgb(70,120,134)"><u><a href=3D"https://github.com/skyfire-xyz/draft-skyf=
ire-oauth-using-kyapay-tokens/pull/5" style=3D"color:rgb(70,120,134);margin=
-top:0px;margin-bottom:0px" target=3D"_blank">https://github.com/skyfire-xy=
z/draft-skyfire-oauth-using-kyapay-tokens/pull/5</a></u></span><span style=
=3D"font-size:11pt">.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Now we get the answers of the main draft: repla=
y / verifier structure</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">4.3. The Proof-of-Possession Path (Planned Evol=
ution)</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Is D&amp;B a solution for this work ? They are =
working on issuing VCs (Ankit is aware)=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; This section is about cryptographic=
 proof of possession.=C2=A0 D&amp;B is potentially relevant to the identity=
 proofing claims.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">6.1 Maybe some precisions if there needs to be =
correlation between the tokens (like KYA and PAY)</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; They KYA and PAY claims separate se=
ts of claims in a KYAPay token.=C2=A0 They are bound together by the signat=
ure over the token.=C2=A0 Is there additional correlation between the two s=
ets of claims that you believe are needed and
 when would they be needed?</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Globally</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=3D&gt; It feels that more or less we&#39;re go=
od a proving provenance/delegation. Is it pertinent, at least for the most =
sensitive operations, to also include a HIL ?</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; Yes, there are situations in which =
it=E2=80=99s important to be able to have a Human in the Loop.=C2=A0 The KY=
APay flows accommodate this.=C2=A0 =E2=80=9CHuman in the Loop=E2=80=9D cons=
iderations sound more like they belong in the Using KYAPay spec?=C2=A0 Do
 you have suggested text and a possible location, Jean?</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black"><b>draft-skyfire-oauth-aml-methods-00</b></span=
></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">[Claude]</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">1. Five normative references to vendor blogs an=
d product pages (Thomson Reuters, Moody&#39;s, Swift, Persona, plus a Treas=
ury FAQ index) =E2=80=94 two entirely undated, none definitional. FATF Reco=
mmendations / Glossary are the citable substitutes,
 and as informative references.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; I=E2=80=99ve filed </span><span sty=
le=3D"font-size:11pt;color:rgb(70,120,134)"><u><a href=3D"https://github.co=
m/skyfire-xyz/draft-skyfire-oauth-aml-methods/issues/3" style=3D"color:rgb(=
70,120,134);margin-top:0px;margin-bottom:0px" target=3D"_blank">https://git=
hub.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/issues/3</a></u></span>=
<span style=3D"font-size:11pt">=C2=A0about
 this issue.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">2. Records that screening ran, never its result=
 =E2=80=94 no outcome, date, lists, or expiry =E2=80=94 so no target can di=
scharge an AML obligation from it, which is the stated motivation.</span></=
p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; This parallels the way that =E2=80=
=9Camr=E2=80=9D values are used.=C2=A0 This is described in
</span><span style=3D"font-size:11pt;color:rgb(70,120,134)"><u><a href=3D"h=
ttps://github.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/pull/5" style=
=3D"color:rgb(70,120,134);margin-top:0px;margin-bottom:0px" target=3D"_blan=
k">https://github.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/pull/5</a=
></u></span><span style=3D"font-size:11pt">.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3. Privacy is one sentence for the most sensiti=
ve claim in the family. pep, adv, and sanc disclose screening status about =
a named person to bot managers, CDNs, and fraud vendors; and because there&=
#39;s no outcome, the only safe reading
 of any value is adverse. Tipping-off rules (e.g. 4AMLD Art.=C2=A039) need =
analysis.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; The intent is that the inclusion of=
 a value indicates compliance.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">4. ofac </span><span style=3D"font-family:&quot=
;Cambria Math&quot;,serif;color:black">=E2=8A=82</span><span style=3D"color=
:black">=C2=A0sanc, and it&#39;s the only jurisdiction-specific value in a =
document claiming worldwide scope; nominating the AMR designated
 experts to adjudicate AML semantics raises the venue question.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; In the =E2=80=9Camr=E2=80=9D values=
 there are other values that are subsets.=C2=A0 For instance =E2=80=9Chwk=
=E2=80=9D
</span><span style=3D"font-family:&quot;Cambria Math&quot;,serif;color:blac=
k">=E2=8A=82</span><span style=3D"color:black">=C2=A0=E2=80=9Cpop=E2=80=9D.=
=C2=A0 This isn=E2=80=99t necessarily a reason to remove the subset value i=
f it=E2=80=99s useful in some cases in practice.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">[GPT 5.6 Sol]</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">1. Records that screening occurred, but not whe=
ther it passed, matched, or was inconclusive.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; Again, the intent is that if a valu=
e is included, compliance is indicated.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">2. Missing subject, time, validity, jurisdictio=
n, list/provider, and evidence identifier.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; Again, this intentionally parallels=
 the way that =E2=80=9Camr=E2=80=9D values are used.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3. ofac, sanc, watch, and pep overlap without c=
omposition rules.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; =E2=80=9Camr=E2=80=9D values also s=
ometimes overlap, which hasn=E2=80=99t hurt their applicability.=C2=A0 That=
 said, suggestions for particular adjustments or refinements are welcome.</=
span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">4. =E2=80=9COFAC Compliance=E2=80=9D improperly=
 implies a broad compliance conclusion.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; How should this description be impr=
oved?</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">5. Security/privacy sections do not address fal=
se, stale, or sensitive AML assertions.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">Mike&gt; I=E2=80=99ve filed </span><span sty=
le=3D"font-size:11pt;color:rgb(70,120,134)"><u><a href=3D"https://github.co=
m/skyfire-xyz/draft-skyfire-oauth-aml-methods/issues/4" style=3D"color:rgb(=
70,120,134);margin-top:0px;margin-bottom:0px" target=3D"_blank">https://git=
hub.com/skyfire-xyz/draft-skyfire-oauth-aml-methods/issues/4</a></u></span>=
<span style=3D"font-size:11pt">=C2=A0about
 this issue.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black"><b>draft-skyfire-oauth-amr-values-01</b></span>=
</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">[Claude]</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">1. Four of ten duplicate already-registered val=
ues: sqa</span><span style=3D"font-family:&quot;Cambria Math&quot;,serif;co=
lor:black">=E2=8A=82</span><span style=3D"color:black">kba, code=E2=89=88ot=
p, call=E2=89=88tel, facliv/face =E2=80=94 against the registry&#39;s own r=
eview
 criterion.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
Mike&gt; Security questions somewhat distinct from knowledge-based question=
s.=C2=A0 Not all codes are OTPs.=C2=A0 Liveness detection is the new featur=
e in =E2=80=9Cfacliv=E2=80=9D.</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
Mike&gt; I agree that =E2=80=9Ccall=E2=80=9D is a dup of =E2=80=9Ctel=E2=80=
=9D.=C2=A0 This is removed in <span style=3D"color:rgb(70,120,134)">
<u><a href=3D"https://github.com/skyfire-xyz/draft-skyfire-oauth-amr-values=
/pull/7" style=3D"color:rgb(70,120,134);margin-top:0px;margin-bottom:0px" t=
arget=3D"_blank">https://github.com/skyfire-xyz/draft-skyfire-oauth-amr-val=
ues/pull/7</a></u></span>.</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">2. email, code, and url overlap each other with=
 no composition rules; email is literally defined as the union of the other=
 two.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; As with other uses of =E2=80=9Camr=E2=
=80=9D, all the applicable values may be returned.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3. psk means pre-shared key throughout the IETF=
 (TLS-PSK, IKEv2, EAP-PSK). Rename; and the distinction worth conveying =E2=
=80=94 device-bound vs. synced passkey =E2=80=94 can&#39;t be expressed by =
one flat value.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; Renamed &quot;psk&quot; to &quot;passk=
ey&quot; in the PR because of the potential confusion with pre-shared key.=
=C2=A0 Device-bound passkeys can be indicated using =E2=80=9Chwk=E2=80=9D a=
nd synced passkeys can be indicated using =E2=80=9Cswk=E2=80=9D.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">4. Every description is unsourced, a regression=
 from RFC 8176, which anchored all 21 values in external definitions.</span=
></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; I have added </span><span style=3D"col=
or:rgb(70,120,134)"><u><a href=3D"https://github.com/skyfire-xyz/draft-skyf=
ire-oauth-amr-values/issues/6" style=3D"color:rgb(70,120,134);margin-top:0p=
x;margin-bottom:0px" target=3D"_blank">https://github.com/skyfire-xyz/draft=
-skyfire-oauth-amr-values/issues/6</a></u></span>=C2=A0to
 track this issue.</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">[GPT 5.6 Sol]</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">1. call duplicates existing tel; sqa overlaps k=
ba; code overlaps otp.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
Mike&gt; Same answer as above</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">2. Values mix channels and products (email, app=
) with actual authentication methods.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; This matches requests from deployers.<=
/span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3. No composition rules for combinations such a=
s email + code or passkey + biometric.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; As with other uses of =E2=80=9Camr=E2=
=80=9D, all the applicable values may be returned.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">4. bg bundles unrelated device, network, geoloc=
ation, and risk signals.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; It being silent makes it unique.</span=
></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">5. sqa lacks a warning that security questions =
are not acceptable authentication secrets under current NIST guidance.</spa=
n></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">I have added this warning to the security consi=
derations in the PR.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black"><b>draft-skyfire-oauth-id-verification-01</b></=
span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">[Claude]</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">1. Duplicates verified_claims =E2=80=94 already=
 in the IANA JWT Claims registry, with time, assurance_level, and evidence =
methods pipp/sripp/eid mapping almost one-to-one onto these values =E2=80=
=94 and RFC 8485&#39;s vot (P =3D identity proofing). Neither
 is mentioned.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
Mike&gt; <span style=3D"font-size:11pt">This parallels the way that =E2=80=
=9Camr=E2=80=9D values are used.=C2=A0 This is described in
</span><span style=3D"font-size:11pt;color:rgb(70,120,134)"><u><a href=3D"h=
ttps://github.com/skyfire-xyz/draft-skyfire-oauth-id-verification/pull/8" s=
tyle=3D"color:rgb(70,120,134);margin-top:0px;margin-bottom:0px" target=3D"_=
blank">https://github.com/skyfire-xyz/draft-skyfire-oauth-id-verification/p=
ull/8</a></u></span><span style=3D"font-size:11pt">.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"font-size:11pt">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; </span><span style=3D"font-size:11pt">=
The relationship to the OpenID IDA work is also described, as is the relati=
onship to Vectors of Trust.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">2. Records the method but not the time, outcome=
, verifier, or level, so it can&#39;t support the assurance decisions the s=
iblings build on it.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; The PR describes that the &quot;ivm&qu=
ot; claim contains a set of identity verification methods that succeeded.</=
span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3. One top-level array cannot scope to hid vs. =
apd, both of which the base spec allows to be independently verified.</span=
></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; This applies to =E2=80=9Chid=E2=80=9D.=
</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">4. Three different IANA field-name schemes acro=
ss eight registrations (template says &quot;Specification Document(s)&quot;=
; six entries say &quot;Reference&quot;; two use the AMR registry&#39;s fie=
ld names).</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; Thanks =E2=80=93 corrected in the PR</=
span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">[GPT 5.6 Sol]</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">1. No verification result, time, assurance leve=
l, trust framework, or evidence provenance.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
Mike&gt; Same answer as above</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">2. dbv, dbv1, and dbvm overlap; source count al=
one does not establish assurance.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; Business people tell me that single an=
d multiple and different from a compliance perspective.=C2=A0 Yes, the over=
lap is expected - just as &quot;hwk=E2=80=9D, =E2=80=9Cswk=E2=80=9D, and =
=E2=80=9Cpop=E2=80=9D overlap.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">3. Evidence types (dig, phy) are mixed with cha=
nnels or ceremonies (inp, vid).</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; The same is true of =E2=80=9Camr=E2=80=
=9D.=C2=A0 The vocabulary is intended to be expressive =E2=80=93 not mutual=
ly exclusive.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">4. Methods are not bound to particular verified=
 attributes or entities.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">This applies to =E2=80=9Chid=E2=80=9D.</span></=
p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
=C2=A0</p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">5. The draft duplicates concepts already modele=
d more completely by OpenID Identity Assurance.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Mike&gt; The relationship to OpenID Identity As=
surance is now described.</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">Have a nice day,</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in 0in 12pt;font-family:Aptos,sans-=
serif;font-size:12pt">
<span style=3D"color:black">Best,</span></p>
<p class=3D"MsoNormal" style=3D"margin:0in;font-family:Aptos,sans-serif;fon=
t-size:12pt">
<span style=3D"color:black">=C2=A0</span></p>
</div>
</div>
</div>

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</blockquote></div></div>

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