igrantio-credential-schema-sca-payment-userlisted

# Payment User Credential (TS12) - credential schema ## When to use Use this skill when you issue or verify a **Payment User Credential (TS12)**. The credential identifies the payment service user. It is one of the three SCA payment credentials in the registry, together with the payment account credential and the payment card 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/scaPaymentUser`. 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 document holds an **empty `claims` array**. The registry fixes no claim path pointer for this credential. This is not a mistake in this skill. Read it as follows. - The credential exists to bind the payment service user, and the binding comes from the credential itself, not from a claim. - Do not invent claim paths. A verifier that reads the registry does not expect a claim that the registry does not hold. - If your use case needs a claim, ask the registry maintainers to extend the schema. Then fetch the source again, because a later version of the template can add claims. Check the source-doc URL before each new integration, because an empty schema is the shape that changes first. ## Claim path pointer documents Each document below is the file that the regis