commit 2f24f4cf3b08be6254c6f435d00c00368d24c28f
parent b6e6d3fa724c22764c17ed4f14600f1cd7d9efd5
Author: Emmanuel Benoist <emmanuel.benoist@bfh.ch>
Date: Sun, 25 Jan 2026 10:01:41 +0100
Markdown formating for Pandoc
Diffstat:
1 file changed, 14 insertions(+), 11 deletions(-)
diff --git a/documentation/HaRBInger.md b/documentation/HaRBInger.md
@@ -1,10 +1,13 @@
-* Brief description of the product or solution
+# Tokenised KYC
+Ruchika Murmu, Benjamin Fehrensen
+
+## Brief description of the product or solution
We leverage the Swiss electronic ID (eID) to enable tokenized
Know-Your-Customer (KYC) for our rCBDC digital cash payment solution
for privacy-preserving and compliant peer-to-peer payments.
-* Innovation or novelty involved
+## Innovation or novelty involved
By combining self-sovereign identity systems supporting selective
disclosure with digital cash, we enable highly efficient decentralized
@@ -14,7 +17,7 @@ characteristics as physical cash, and its FLOSS-based architecture
enables interoperable global deployments without raising sovereignty
concerns.
-* How is it different from existing product/ solutions available in the market
+## How is it different from existing product/ solutions available in the market
The proposed solution introduces peer-to-peer transactions with strong
VoP, a capability not currently available in the financial industry.
@@ -25,7 +28,7 @@ over data and money; they are not based on accounts. There is no
custodian, the citizens are directly in control over their identity
data and money.
-* Technology or platform being used
+## Technology or platform being used
Our solution is based on two free and open source projects, GNU Taler
and the SSI-inspired Swiss eID solution. It primarily uses OID4VP,
@@ -36,16 +39,16 @@ modules can be used to add an additional layer of protection for
sensitive data. For the (central) bank, a GNU/Linux system with a
Postgresql database is required.
-* Brief process flow (if possible)
+## Brief process flow (if possible)
-1.) Citizens obtain a Swiss electronic ID online (biometric identification).
-2.) For a payment, the payer generates a virtual check containing:
+1. Citizens obtain a Swiss electronic ID online (biometric identification).
+2. For a payment, the payer generates a virtual check containing:
- An expiry date
- Required payee attributes for verification
-3.) The virtual check is transferred to the payee via NFC, QR code, or messaging channels; this may even happen offline.
-4.) The payee redeems the check after successful identity verification through selective disclosure of the requested attributes.
+3. The virtual check is transferred to the payee via NFC, QR code, or messaging channels; this may even happen offline.
+4. The payee redeems the check after successful identity verification through selective disclosure of the requested attributes.
-* Proposed benefits and potential use cases
+## Proposed benefits and potential use cases
The following unique features have tremendous potential:
@@ -64,6 +67,6 @@ The following unique features have tremendous potential:
- Tokenization of diverse assets: Taler goes beyond currencies
and enables tokenization of other fungible assets.
-* Any other details you may wish to highlight
+# Any other details you may wish to highlight
- No dependency on blockchain, scalable low-energy solution.
