{
  "vct": "eu.we-build.iban-ov:1",
  "name": "WeBuild – IBAN Ownership Verification (IBAN-OV) – SD-JWT VC payload",
  "description": "Schema for the SD-JWT VC payload of an IBAN-OV attestation as defined in the IBAN-OV Rulebook (Chapter 3.2). This models the JSON claims set prior to SD-JWT disclosure/packing.",
  "display": [
    {
      "locale": "en-US",
      "name": "WeBuild – IBAN Ownership Verification (IBAN-OV)",
      "description": "Schema for the SD-JWT VC payload of an IBAN-OV attestation as defined in the IBAN-OV Rulebook (Chapter 3.2). This models the JSON claims set prior to SD-JWT disclosure/packing."
    }
  ],
  "claims": [
    {
      "path": [
        "trust_anchor_url"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Trust Anchor Url"
        }
      ],
      "description": "URL at which a machine-readable version of the trust anchor used for verifying the IBAN-OV attestation can be found or looked up."
    },
    {
      "path": [
        "schema_version"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Schema Version"
        }
      ],
      "description": "Version of the IBAN-OV attestation schema used."
    },
    {
      "path": [
        "bank_account",
        "iban"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Iban"
        }
      ],
      "description": "International Bank Account Number, as defined in ISO 13616:2020. SHALL conform to the format [A-Z]{2}[0-9A-Z]{13,30}."
    },
    {
      "path": [
        "bank_account",
        "account_type"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Account Type"
        }
      ],
      "description": "Nature of the bank account. SHOULD use one of the standardized values defined in Section 2.8.2 (e.g. CURRENT, SAVINGS, BASIC, LOAN, OTHER)."
    },
    {
      "path": [
        "bank_account",
        "account_currency"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Account Currency"
        }
      ],
      "description": "Currency code(s) used for the account, as defined in ISO 4217:2015. SHALL contain at least one valid ISO 4217:2015 currency code."
    },
    {
      "path": [
        "bank_account",
        "account_name"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Account Name"
        }
      ],
      "description": "Name of the account, generated by the bank or customized by the owner."
    },
    {
      "path": [
        "bank_account"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Bank Account"
        }
      ],
      "description": "Core details of the bank account itself (the 'what'). SHALL be individually selectively disclosable as a top-level claim.",
      "mandatory": true,
      "sd": "always"
    },
    {
      "path": [
        "account_ownership",
        "owner_type"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Owner Type"
        }
      ],
      "description": "Discriminator identifying whether the account owner is a legal person or a natural person. SHALL be present in all cases."
    },
    {
      "path": [
        "account_ownership",
        "euid"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Euid"
        }
      ],
      "description": "The EUID as unique identifier of the owner's register entry. For a sole trader, references the register entry under which the natural person is registered as operating a business. SHALL be a non-empty string."
    },
    {
      "path": [
        "account_ownership",
        "owner_name"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Owner Name"
        }
      ],
      "description": "Legal name of the legal entity owning the account. Mandatory if owner_type = 'entity'. SHALL NOT be present if owner_type = 'person'."
    },
    {
      "path": [
        "account_ownership",
        "given_name"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Given Name"
        }
      ],
      "description": "Given name(s) of the natural person owning the account. Mandatory if owner_type = 'person'. SHALL NOT be present if owner_type = 'entity'."
    },
    {
      "path": [
        "account_ownership",
        "surname"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Surname"
        }
      ],
      "description": "Surname / family name of the natural person owning the account. Mandatory if owner_type = 'person'. SHALL NOT be present if owner_type = 'entity'."
    },
    {
      "path": [
        "account_ownership"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Account Ownership"
        }
      ],
      "description": "Identifies the legal owner of the account (the 'who'). The owner is either a legal person or a natural person. Required name attributes depend on owner_type. SHALL be individually selectively disclosable as a top-level claim.",
      "mandatory": true,
      "sd": "always"
    },
    {
      "path": [
        "attestation_legal_category"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Attestation Legal Category"
        }
      ],
      "description": "The legal category of the attestation as defined by eIDAS 2. For the IBAN-OV attestation issued by the bank (ASPSP) acting as an authorized issuer, this is 'EAA'.",
      "mandatory": true
    },
    {
      "path": [
        "account_provider",
        "provider_name"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Provider Name"
        }
      ],
      "description": "Name of the financial institution providing the account."
    },
    {
      "path": [
        "account_provider",
        "euid"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Euid"
        }
      ],
      "description": "EUID as unique identification number of the issuing financial institution. SHALL be a non-empty string identifying the issuing financial institution."
    },
    {
      "path": [
        "account_provider",
        "provider_country"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Provider Country"
        }
      ],
      "description": "Alpha-3 country code, as defined in ISO 3166-1, of the provider country or territory. SHALL be a valid ISO 3166-1 alpha-3 country code."
    },
    {
      "path": [
        "account_provider",
        "bic_swift"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Bic Swift"
        }
      ],
      "description": "International code (BIC or SWIFT code), as defined in ISO 9362, of the financial institution. SHALL conform to the ISO 9362:2022 format [A-Z]{6}[A-Z0-9]{2}([A-Z0-9]{3})?."
    },
    {
      "path": [
        "account_provider",
        "national_bank_code"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "National Bank Code"
        }
      ],
      "description": "Country-specific code for internal routing within a specific country's clearing system. Optional attribute."
    },
    {
      "path": [
        "account_provider",
        "nace_code"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Nace Code"
        }
      ],
      "description": "NACE code for activity specification (e.g. 64.19). Optional attribute."
    },
    {
      "path": [
        "account_provider",
        "clearing_number"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Clearing Number"
        }
      ],
      "description": "Clearing number for identification of the financial institution, used only in some countries. Optional attribute."
    },
    {
      "path": [
        "account_provider"
      ],
      "display": [
        {
          "locale": "en-US",
          "label": "Account Provider"
        }
      ],
      "description": "Describes the financial institution that issued the account and related metadata (the 'where \u0026 how'). SHALL be individually selectively disclosable as a top-level claim.",
      "mandatory": true,
      "sd": "always"
    }
  ]
}