igrantio-credential-schema-sca-payment-accountlisted

# Payment Account Credential (TS12) - credential schema ## When to use Use this skill when you issue or verify a **Payment Account Credential (TS12)**. The credential states the payment account of the holder. It is one of the three SCA payment credentials in the registry, together with the payment card credential and the payment user credential. The metadata sets `isScaCredential` to `true`. The schema supports one format: SD-JWT VC (`dc+sd-jwt`). The registry keeps this schema under `credentialSchemas/claimPathPointer/scaPaymentAccount`. Version **2025.7.1** is the latest version directory, and this skill uses it. The registry publishes the schema in one format: `dc+sd-jwt`. ## What the claims describe The registry defines three claims. All three are mandatory, and all three set `limitDisclosure` to `true`, so the holder can disclose each one on its own. - **`iban`** - the international bank account number of the account. - **`bic`** - the business identifier code of the bank. - **`currency`** - the currency of the account. A verifier that only needs the bank can ask for `bic` alone, and the holder keeps the `iban` hidden. ## Claim path pointer documents Each document below is the file that the registry holds. Copy it without a change. ### SD-JWT VC (`dc+sd-jwt`) | Fact | Value | | --- | --- | | Title | Payment Account Credential (TS12) | | Format | `dc+sd-jwt` | | `credentialType` | `{baseUrl}/service/vct-metadata/payment_account` | | `vct` to send | `{baseUrl}/ser