Thanks!

Hi everyone!

It was my first TPAC. I learned a lot from all of you. It was very humbling!
I wish the time zone difference didn't make the time of the regular calls so brutal for us in Japan.

Following are a few comments on the discussions, that I thought did not deserve to intrude on meeting time:

I found the credit card-centric discussions confusing, as it was sometimes unclear if we were talking about actual credit cards or about payment instruments sharing some of their characteristics (e.g. mediation/attestation/verification…).

Although credit cards certainly should serve as a basis for payment instrument characteristics that the platform must support, IMHO designing an API around (or let's say giving too much weight to) a legacy payment instrument might be unsound. Will 16-digit plastic cards still be relevant by the time SPC reaches REC level? They're an antiquated proof of possession with no real rationale for existing anymore in the age of tokenized digital wallets, and the latter offer more space for designing robust flows. I think Nick Shearer made a similar point earlier this week.

For the same reason, I liked Ian's suggestion to make DPC a generic payment instrument for PR, as it uncouples the payment intent from the underlying payment instrument. I hope this gets explored further. The dimensionality of the use cases this group is trying to cover is very large, and we have so many interests represented, that I think decoupling the most things can only benefit moving things forward and reaching consensus. I think my brain collapsed when commerce entered the room on Thursday :)

Finally, I feel that payment is just a specific case of a much more generic problem space around intent, delegation and traceability that we are circling around a solution for. Why is it Secure Payment Confirmation and not Secure Intent Confirmation? What makes paying for a cowboy hat on a merchant's website so different from, say, changing the beneficiary of my life insurance on my insurance agent's website?

Anyway, thanks everyone for the super interesting week!

Cheers,
Julien.