Transaction Authorization Protocol (TAP) Message Types and Data Structures

Common DIDComm Message Structure
Transaction Message
- Transfer
- Payment
Authorization Flow Messages
- Authorize
- Complete
- Settle
- Reject
- Cancel
- Revert
Participant Management Messages
Relationship proofs
- ConfirmRelationship
Policy messages
- UpdatePolicies
Connection Messages
- Connect
- AuthorizationRequired
Data Elements
Message Flow Examples

Introduction

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

Common DIDComm Message Structure

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

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

Transaction Message

Transfer

TAIP-3 - Review

Initiates a virtual asset transfer between parties.

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

Examples

Simple first-party transfer

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

Third-party transfer with LEI

{
  "id": "123e4567-e89b-12d3-a456-426614174001",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "from": "did:web:originator.vasp",
  "to": ["did:web:beneficiary.vasp"],
  "body": {
    "@context": {
      "@vocab": "https://tap.rsvp/schema/1.0",
      "lei": "https://schema.org/leiCode"
    },
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "amount": "1.23",
    "originator": {
      "@id": "did:org:acmecorp",
      "lei:leiCode": "3M5E1GQKGL17HI8CPN20",
      "name": "ACME Corporation"
    },
    "beneficiary": {
      "@id": "did:eg:alice"
    },
    "agents": [
      {
        "@id": "did:web:originator.vasp",
        "for": "did:org:acmecorp"
      },
      {
        "@id": "did:web:beneficiary.vasp",
        "for": "did:eg:alice"
      }
    ]
  }
}

Payment

TAIP-14 - Review

Initiates a payment request from a merchant to a customer.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-14)	JSON-LD context “https://tap.rsvp/schema/1.0”
@type	string	Yes	Review (TAIP-14)	JSON-LD type “https://tap.rsvp/schema/1.0#Payment”
asset	string	No	Review (TAIP-14)	CAIP-19 identifier of the asset to be paid. Either asset OR currency is required.
currency	string	No	Review (TAIP-14)	ISO 4217 currency code for fiat amount. Either asset OR currency is required.
amount	string	Yes	Review (TAIP-14)	Amount requested in the specified asset or currency
supportedAssets	array	No	Review (TAIP-14)	Array of CAIP-19 asset identifiers that can be used to settle a fiat currency amount. Used when currency is specified to indicate which crypto assets can be used.
invoice	object or string	No	Review (TAIP-14, TAIP-16)	Invoice object as defined in TAIP-16 or URI to an invoice document
expiry	string	No	Review (TAIP-14)	ISO 8601 timestamp when the request expires
merchant	Party	Yes	Review (TAIP-14)	Party for the merchant (beneficiary)
customer	Party	No	Review (TAIP-14)	Party for the customer (originator)
agents	array of Agent	Yes	Review (TAIP-14)	Array of agents involved in the payment request

Examples

Simple crypto payment request

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

Fiat payment request with supported assets and required presentation

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

Authorization Flow Messages

Authorize

TAIP-4 - Review

Approves a transaction after completing compliance checks.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context “https://tap.rsvp/schema/1.0”
@type	string	Yes	Review (TAIP-4)	JSON-LD type “https://tap.rsvp/schema/1.0#Authorize”
settlementAddress	string	No	Review (TAIP-4)	Optional CAIP-10 identifier for the settlement address
expiry	string	No	Review (TAIP-4)	ISO 8601 datetime indicating when the authorization expires

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

Examples

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

Complete

TAIP-14 - Review

Indicates that a transaction is ready for settlement, sent by the merchant’s agent in a Payment flow. This replaces the previous approach of using Authorize for this purpose.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-14)	JSON-LD context “https://tap.rsvp/schema/1.0”
@type	string	Yes	Review (TAIP-14)	JSON-LD type “https://tap.rsvp/schema/1.0#Complete”
settlementAddress	string	Yes	Review (TAIP-14)	CAIP-10 identifier for the settlement address
amount	string	No	Review (TAIP-14)	Optional final payment amount, must be less than or equal to the original requested amount. If omitted, the full amount from the original Payment message is implied.

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

Examples

{
  "id": "123e4567-e89b-12d3-a456-426614174007",
  "type": "https://tap.rsvp/schema/1.0#Complete",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:customer.vasp"],
  "thid": "123e4567-e89b-12d3-a456-426614174014",
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Complete",
    "settlementAddress": "eip155:1:0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
    "amount": "95.50"
  }
}

Settle

TAIP-4 - Review

Confirms the on-chain settlement of a transfer.

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context “https://tap.rsvp/schema/1.0”
@type	string	Yes	Review (TAIP-4)	JSON-LD type “https://tap.rsvp/schema/1.0#Settle”
settlementId	string	Yes	Review (TAIP-4)	CAIP-220 identifier of the settlement transaction
amount	string	No	Review (TAIP-4)	Optional settled amount, must be less than or equal to the original amount. If a Complete message specified an amount, this must match that value.

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

Examples

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

Example with amount field:

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

Reject

TAIP-4 - Review

Rejects a proposed transfer.

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

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

Examples

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

Cancel

TAIP-4 - Review

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

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context “https://tap.rsvp/schema/1.0”
@type	string	Yes	Review (TAIP-4)	JSON-LD type “https://tap.rsvp/schema/1.0#Cancel”
reason	string	No	Review (TAIP-4)	Human readable reason for cancellation

Example Cancel Message

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

Revert

TAIP-4 - Review

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

Attribute	Type	Required	Status	Description
@context	string	Yes	Review (TAIP-4)	JSON-LD context “https://tap.rsvp/schema/1.0”
@type	string	Yes	Review (TAIP-4)	JSON-LD type “https://tap.rsvp/schema/1.0#Revert”
settlementAddress	string	Yes	Review (TAIP-4)	CAIP-10 identifier of the proposed settlement address to return the funds to
reason	string	Yes	Review (TAIP-4)	Human readable message describing why the transaction reversal is being requested

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

Examples

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

Participant Management Messages

UpdateAgent

TAIP-5 - Review

Updates information about an agent.

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

Examples

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

UpdateParty

TAIP-6 - Review

Updates information about a party.

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

Examples

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

AddAgents

TAIP-5 - Review

Adds one or more additional agents to the transaction.

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

Examples

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

ReplaceAgent

TAIP-5 - Review

Replaces an agent with another agent in the transaction.

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

Examples

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

RemoveAgent

TAIP-5 - Review

Removes an agent from the transaction.

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

Examples

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

Relationship proofs

ConfirmRelationship

TAIP-9 - Draft

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

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

The body object must contain:

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

Examples

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

ConfirmRelationship Message Examples

1. Confirm Settlement Address with CACAO Proof

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

2. Confirm Custodial Relationship

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

Connect Message Examples

1. B2B Service Connection Request

{
  "id": "connect-123",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:example:b2b-service",
  "to": ["did:example:vasp"],
  "created_time": 1516269022,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Connect",
    "agent": {
      "@id": "did:example:b2b-service",
      "name": "B2B Payment Service",
      "type": "ServiceAgent",
      "serviceUrl": "https://b2b-service/did-comm"
    },
    "for": "did:example:business-customer",
    "constraints": {
      "purposes": ["BEXP", "SUPP"],
      "categoryPurposes": ["CASH", "CCRD"],
      "limits": {
        "per_transaction": "10000.00",
        "daily": "50000.00",
        "currency": "USD"
      }
    }
  }
}

2. Merchant Connection Request

{
  "id": "connect-124",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:web:merchant.vasp",
  "to": ["did:web:payment.provider"],
  "created_time": 1516269022,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Connect",
    "agent": {
      "@id": "did:web:merchant.vasp",
      "name": "Example Store",
      "type": "Merchant"
    },
    "for": "did:web:merchant.vasp",
    "constraints": {
      "purposes": ["RCPT"],
      "categoryPurposes": ["EPAY"],
      "limits": {
        "per_transaction": "5000.00",
        "daily": "25000.00",
        "currency": "USD"
      }
    }
  }
}

AuthorizationRequired Message Examples

1. Interactive Authorization Required

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

2. Authorization Required with Custom Portal

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

Policy messages

UpdatePolicies

TAIP-7 - Review

Updates policies for a transaction.

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

Examples

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

Connection Messages

Connect

TAIP-15 - Draft

Requests a connection between agents with specified constraints.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft (TAIP-15)	JSON-LD context “https://tap.rsvp/schema/1.0”
@type	string	Yes	Draft (TAIP-15)	JSON-LD type “https://tap.rsvp/schema/1.0#Connect”
agent	object	No	Draft (TAIP-15)	Details of the requesting agent
for	string	Yes	Draft (TAIP-15)	DID of the party the agent represents
constraints	object	Yes	Draft (TAIP-15)	Transaction constraints for the connection
expiry	string	No	Draft (TAIP-15)	ISO 8601 datetime indicating when the connection request expires

Example Connect Message

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:example:b2b-service",
  "to": ["did:example:vasp"],
  "created_time": 1516269022,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Connect",
    "agent": {
      "@id": "did:example:b2b-service",
      "name": "B2B Payment Service",
      "type": "ServiceAgent",
      "serviceUrl": "https://b2b-service/did-comm"
    },
    "for": "did:example:business-customer",
    "constraints": {
      "purposes": ["BEXP", "SUPP"],
      "categoryPurposes": ["CASH", "CCRD"],
      "limits": {
        "per_transaction": "10000.00",
        "daily": "50000.00",
        "currency": "USD"
      }
    }
  }
}

AuthorizationRequired

TAIP-15 - Draft

Provides an authorization URL for interactive connection approval.

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

Example AuthorizationRequired Message

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

Connection Flow Example

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

Initial connection request
Interactive authorization
Connection approval
Using the connection for a transfer

1. Connect Request

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "type": "https://tap.rsvp/schema/1.0#Connect",
  "from": "did:example:b2b-service",
  "to": ["did:example:vasp"],
  "created_time": 1516269022,
  "expires_time": 1516385931,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Connect",
    "agent": {
      "@id": "did:example:b2b-service",
      "name": "B2B Payment Service",
      "type": "ServiceAgent",
      "serviceUrl": "https://b2b-service/did-comm"
    },
    "for": "did:example:business-customer",
    "constraints": {
      "purposes": ["BEXP", "SUPP"],
      "categoryPurposes": ["CASH", "CCRD"],
      "limits": {
        "per_transaction": "10000.00",
        "daily": "50000.00",
        "currency": "USD"
      }
    }
  }
}

2. Authorization Required Response

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

3. Connection Authorization

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

4. Using the connection for a transfer

{
  "id": "456789ab-e89b-12d3-a456-426614174005",
  "type": "https://tap.rsvp/schema/1.0#Transfer",
  "from": "did:example:b2b-service",
  "to": ["did:example:vasp"],
  "pthid": "123e4567-e89b-12d3-a456-426614174000",
  "created_time": 1516269026,
  "body": {
    "@context": "https://tap.rsvp/schema/1.0",
    "@type": "https://tap.rsvp/schema/1.0#Transfer",
    "asset": "eip155:1/slip44:60",
    "amount": "1.23",
    "originator": {
      "@id": "did:example:business-customer"
    },
    "agents": [
      {
        "@id": "did:example:b2b-service"
      },
      {
        "@id": "did:example:vasp"
      }
    ]
  }
}

Cancel

TAIP-4 - Review

Terminates an existing connection.

Attribute	Type	Required	Status	Description
@context	string	Yes	Draft (TAIP-4)	JSON-LD context “https://tap.rsvp/schema/1.0”
@type	string	Yes	Draft (TAIP-4)	JSON-LD type “https://tap.rsvp/schema/1.0#Cancel”
reason	string	No	Draft (TAIP-4)	Human readable reason for cancellation

Example Cancel Message

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

Data Elements

Party

TAIP-6 - Review

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

Attribute	Type	Required	Status	Description
@id	string	Yes	Review (TAIP-6)	DID or IRI of the party
lei:leiCode	string	No	Draft (TAIP-11)	LEI code for legal entities. Must be a 20-character alpha-numeric string conforming to ISO 17442
name	string	No	Review (TAIP-6)	Human-readable name
nameHash	string	No	Draft (TAIP-12)	SHA-256 hash of the normalized name (uppercase, no whitespace)
mcc	string	No	Review (TAIP-14)	Merchant Category Code (ISO 18245) that identifies the type of business (e.g., “5411” for grocery stores)

When including an LEI, the Party MUST include the appropriate JSON-LD context:

{
  "@context": { "lei": "https://schema.org/leiCode" },
  "@id": "did:web:example.vasp.com",
  "lei:leiCode": "5493001KJTIIGC8Y1R12"
}

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

Example with LEI and Agent Relationship

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

The example above shows:

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

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

Invoice

TAIP-16 - Review

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

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

Each line item in the lineItems array contains:

Attribute	Type	Required	Status	Description
id	string	Yes	Review (TAIP-16)	Unique identifier for the line item within the invoice
description	string	Yes	Review (TAIP-16)	Description of the item or service
quantity	number	Yes	Review (TAIP-16)	Quantity of the item
unitCode	string	No	Review (TAIP-16)	Unit of measure code (e.g., “EA” for each, “KGM” for kilogram)
unitPrice	number	Yes	Review (TAIP-16)	Price per unit
lineTotal	number	Yes	Review (TAIP-16)	Total amount for this line item (typically quantity × unitPrice)
taxCategory	object	No	Review (TAIP-16)	Tax category information specific to this line item

Example Invoice Object

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

Agent

TAIP-5 - Review

Represents a service involved in executing transactions.

Attribute	Type	Required	Status	Description
@id	string	Yes	Review (TAIP-5)	DID of the agent
role	string	No	Review (TAIP-5)	Role of the agent (e.g., “SettlementAddress”, “SourceAddress”)
for	string	No	Review (TAIP-5)	Reference to the Party this agent represents

Policy

TAIP-7 - Review

RequirePresentation

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

RequirePurpose

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

RequireAuthorization

TAIP-7 - Review

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

RequireRelationshipConfirmation

TAIP-9 - Draft

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

Example RequireAuthorization Policy

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

Example RequireRelationshipConfirmation Policy

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

Message Flow Examples

Basic Transfer Flow

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

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

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

1. Initial Transfer Request

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

2. Beneficiary’s Policy Requirements

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

3. Beneficiary’s Authorization

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

4. Originator’s Settlement Confirmation

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

Transfer with LEI and Purpose Code

This example shows a transfer that includes:

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

Corporate Transfer with LEI and Purpose Codes

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

Payment Request Flow

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

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

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

1. Initial Payment from Merchant

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

2. Customer’s Transfer Response

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

3. Merchant’s Authorization

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

4. Customer’s Settlement Confirmation

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

5. Payment Request Cancel Example

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

Cancel Message Examples

1. Cancel Transaction

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

2. Cancel Connection

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

Revert Message Examples

1. Revert for Compliance Reasons

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

2. Revert for Dispute Resolution

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

UpdateAgent Message Examples

1. Update Agent with New Policies

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

2. Update Agent Role

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

UpdateParty Message Examples

1. Update Party with LEI

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

2. Update Party with Name Hash

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

RemoveAgent Message Examples

1. Remove Settlement Address

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

2. Remove Custodial Service

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

Payment Request with Invoice Example

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

Transaction Authorization Protocol (TAP) Message Types and Data Structures

Table of Contents

Introduction

Common DIDComm Message Structure

Transaction Message

Transfer

Examples

Simple first-party transfer

Third-party transfer with LEI

Payment

Examples

Simple crypto payment request

Fiat payment request with supported assets and required presentation

Authorization Flow Messages

Authorize

Examples

Complete

Examples

Settle

Examples

Reject

Examples

Cancel

Example Cancel Message

Revert

Examples

Participant Management Messages

UpdateAgent

Examples

UpdateParty

Examples

AddAgents

Examples

ReplaceAgent

Examples

RemoveAgent

Examples

Relationship proofs

ConfirmRelationship

Examples

ConfirmRelationship Message Examples

1. Confirm Settlement Address with CACAO Proof

2. Confirm Custodial Relationship

Connect Message Examples

1. B2B Service Connection Request

2. Merchant Connection Request

AuthorizationRequired Message Examples

1. Interactive Authorization Required

2. Authorization Required with Custom Portal

Policy messages

UpdatePolicies

Examples

Connection Messages

Connect

Example Connect Message

AuthorizationRequired

Example AuthorizationRequired Message

Connection Flow Example

1. Connect Request

2. Authorization Required Response

3. Connection Authorization

4. Using the connection for a transfer

Cancel

Example Cancel Message

Data Elements

Party

Example with LEI and Agent Relationship

Invoice

Example Invoice Object

Agent

Policy

RequirePresentation

RequirePurpose

RequireAuthorization

RequireRelationshipConfirmation

Example RequireAuthorization Policy

Example RequireRelationshipConfirmation Policy

Message Flow Examples

Basic Transfer Flow

1. Initial Transfer Request