commit e43afc66043a674aa977be0f2e77a391b45d36f4
parent 3d4b8166507fd67be2cb27c050b6b5d48832fbba
Author: Florian Dold <florian@dold.me>
Date: Tue, 3 Mar 2026 19:04:57 +0100
DD89
Diffstat:
6 files changed, 89 insertions(+), 4 deletions(-)
diff --git a/deployments/sandcastle-demo.rst b/deployments/sandcastle-demo.rst
@@ -1,4 +1,5 @@
-# Sandcastle Demo
+Sandcastle Demo
+###############
The sandcastle demo runs on https://demo.taler.net/
diff --git a/design-documents/071-auto-refresh.rst b/design-documents/071-auto-refresh.rst
@@ -91,9 +91,9 @@ Proposed Solution
period for any coin drops below 90 days.
Distinguish in the warning key causes:
- 1) "We are offline and cannot expand the validity period."
- 2) "The payment service provider does not offer longer
- validity periods."
+ 1. "We are offline and cannot expand the validity period."
+ 2. "The payment service provider does not offer longer
+ validity periods."
..note::
diff --git a/design-documents/089-merchant-2fa.rst b/design-documents/089-merchant-2fa.rst
@@ -0,0 +1,72 @@
+DD 89: Merchant 2FA UX
+######################
+
+Summary
+=======
+
+This design document describes the user experience for two factor
+authentication in the merchant portal.
+
+Motivation
+==========
+
+Users have been confused by the design currently implemented. The 2FA is an
+important flow and as such should be well designed and documented.
+
+Requirements
+============
+
+* At every step of the process,
+ it should be clear to the user what they need to do next.
+
+Proposed Solution
+=================
+
+We differentiate between two cases:
+
+* 2FA steps where **all** possible channels have to be validated. This is
+ typically the case for sign-up and password reset. Here, we guide
+ the user one by one. The user can't choose the order.
+* 2FA steps where **some** channels have to be validated.
+ This is typically the case for log-in and protected
+ operations such as modifying bank account information.
+ Here the user can select which channel to use.
+
+Common considerations:
+
+* The cancel button always cancels the whole operation.
+
+
+Sign-up
+~~~~~~~
+
+* These wireframes apply to 2FA where *all* channels need to be validated. The
+ sign-up is taken as an example.
+* In the usual flow, the user sees ``S1.1``, ``S1.2a`` and finally ``S1.1b``.
+
+
+.. image:: images/089/signup.excalidraw.svg
+
+
+Authentication
+~~~~~~~~~~~~~~
+
+* These wireframes apply to 2FA where *some* channels (usually one) need to be
+ validated. Adding a bank account is taken as an example.
+* We explicitly use a check-box instead of a button, since:
+
+ 1. We can pre-select the 2FA option that we consider preferable (cost)
+ 2. Instead of having many buttons, there's only one primary action
+
+* For resending / expired auth codes, see ``S1.2b-e*``
+
+.. image:: images/089/auth.excalidraw.svg
+
+
+Discussion / Q&A
+================
+
+* Do we know beforehand from the API which 2FA channels are required?
+* When signing up, what if the user mistyped their phone number?
+ Do we offer some affordance to go back and edit that information?
+
diff --git a/design-documents/images/089/auth.excalidraw.svg b/design-documents/images/089/auth.excalidraw.svg
@@ -0,0 +1,5 @@
+<?xml version="1.0" standalone="no"?>
+<!DOCTYPE svg PUBLIC "-//W3C//DTD SVG 1.1//EN" "http://www.w3.org/Graphics/SVG/1.1/DTD/svg11.dtd">
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86.86 37.71 M86.86 37.71 C71.54 36.48, 52.87 35.26, 9.43 37.71 M86.86 37.71 C70.17 38.35, 53.88 39.13, 9.43 37.71 M9.43 37.71 C3.34 38.59, -1.44 36.47, 0 28.28 M9.43 37.71 C1.09 35.9, 1.17 33.31, 0 28.28 M0 28.28 C0.23 21.53, -0.51 18.13, 0 9.43 M0 28.28 C0.38 21.29, 0.84 15.54, 0 9.43 M0 9.43 C1.45 3.14, 2.81 1.8, 9.43 0 M0 9.43 C0.58 3.15, 5.1 -2.08, 9.43 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g transform="translate(85.4264556750361 967.6329342721626) rotate(0 29.969970703125 12.5)"><text x="29.969970703125" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="middle" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Cancel</text></g></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g stroke-linecap="round" transform="translate(547.4489906488857 963.5610887842297) rotate(0 48.14565844700951 18.85288234522568)"><path d="M9.43 0 C35.5 -2.17, 63.75 0.76, 86.86 0 C96.43 -1.72, 95.4 4.45, 96.29 9.43 C97.35 17.72, 95.97 23.8, 96.29 28.28 C97.35 37.2, 92.02 39.9, 86.86 37.71 C69.7 34.07, 50.77 39.77, 9.43 37.71 C6.61 38.27, 0.6 36.56, 0 28.28 C2.28 19.52, 0.25 19.14, 0 9.43 C0.91 0.58, 6.35 -1.28, 9.43 0" stroke="none" stroke-width="0" fill="#b2f2bb"></path><path d="M9.43 0 C31.09 -1.24, 51.02 -0.87, 86.86 0 M9.43 0 C27.48 0.99, 44.12 0.88, 86.86 0 M86.86 0 C94.23 -1.87, 97.59 1.4, 96.29 9.43 M86.86 0 C93.85 0.24, 94.04 2.42, 96.29 9.43 M96.29 9.43 C96.92 15.15, 94.81 20.89, 96.29 28.28 M96.29 9.43 C96.1 13.97, 96.56 17.82, 96.29 28.28 M96.29 28.28 C96.3 35.95, 91.43 38.01, 86.86 37.71 M96.29 28.28 C94.39 36.79, 91.33 39.46, 86.86 37.71 M86.86 37.71 C64.19 36.02, 46.56 35.86, 9.43 37.71 M86.86 37.71 C62.84 38.83, 37.9 39.35, 9.43 37.71 M9.43 37.71 C1.36 36.14, 1.01 33.47, 0 28.28 M9.43 37.71 C2.32 35.82, -0.9 34.66, 0 28.28 M0 28.28 C0.9 24.21, -0.85 21.23, 0 9.43 M0 28.28 C0.52 23.63, -0.32 19.83, 0 9.43 M0 9.43 C0.51 3.15, 4.84 -1.81, 9.43 0 M0 9.43 C2.25 2.05, 1.14 0.1, 9.43 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g transform="translate(559.8846881583952 969.9139711294554) rotate(0 35.7099609375 12.5)"><text x="35.7099609375" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="middle" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Confirm</text></g></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g stroke-linecap="round"><g transform="translate(54.363831939546344 638.7705424830754) rotate(0 309.56383973511777 0.29757226497946476)"><path d="M-0.68 -0.91 C102.77 -0.87, 516.2 -0.47, 619.81 -0.14 M1.16 1.23 C104.5 1.49, 515.41 1.64, 618.67 1.32" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><mask></mask></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g transform="translate(66.23710865897783 678.6400300623666) rotate(0 253.6197509765625 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Please validate your phone number ending with 7890</text></g></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g stroke-linecap="round" transform="translate(300.52603179643893 765.3686174180853) rotate(0 75.19223832633759 18.27903659496326)"><path d="M0 0 C47.79 2.36, 96.71 1.89, 150.38 0 M150.38 0 C150.9 8.79, 149.45 19.87, 150.38 36.56 M150.38 36.56 C95.24 35.5, 40.08 34.99, 0 36.56 M0 36.56 C1.95 25.79, -0.18 16.68, 0 0" stroke="#1e1e1e" stroke-width="2.5" fill="none" stroke-dasharray="1.5 8"></path></g></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g transform="translate(87.66101206120402 770.9160662638358) rotate(0 98.52989196777344 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Authentication code</text></g></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g transform="translate(74.90980063663983 896.3748149521884) rotate(0 108.78419494628906 10)"><text x="0" y="14.096" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="16px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Didn't receive code? Resend</text></g></g><g clip-path="url(#J_KiIgYCeQLpzIi-0fdnj)"><g stroke-linecap="round"><g transform="translate(231.85309108290198 917.802543178841) rotate(0 31.674235965372418 0.498016133263377)"><path d="M0 0 C22.52 1.67, 42.67 0.31, 63.35 1 M0 0 C25.71 0.15, 49.74 0.24, 63.35 1" stroke="#868e96" stroke-width="1" fill="none"></path></g></g><mask></mask></g><g clip-path="url(#yRKR2v4I32ExMSlYeBSqu)"><g transform="translate(56.17375852186956 154.2223687297327) rotate(0 279.6297302246094 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">To add a bank account, you need to verify your account.</text></g></g><g clip-path="url(#yRKR2v4I32ExMSlYeBSqu)"><g stroke-linecap="round" transform="translate(73.79030118402807 263.28650263081244) rotate(0 10.055468690676435 10.055468690676435)"><path d="M10.29 -0.04 C12.43 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diff --git a/design-documents/images/089/signup.excalidraw.svg b/design-documents/images/089/signup.excalidraw.svg
@@ -0,0 +1,4 @@
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0.82 255.52, 0 32 M0 419.39 C2.07 301.89, 2.07 183.59, 0 32 M0 32 C0.78 9.6, 12.41 0.5, 32 0 M0 32 C1.67 10.67, 10.29 2.07, 32 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g transform="translate(788.0682074096339 69.08203125) rotate(0 173.76870727539062 17.5)"><text x="0" y="24.668" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="28px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Authentication code sent</text></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g stroke-linecap="round" transform="translate(790.1979085397561 438.6473752879701) rotate(0 48.14565844700951 18.852882345225623)"><path d="M9.43 0 C39.07 -0.09, 70.67 -0.23, 86.86 0 M9.43 0 C34.27 -0.52, 59.94 0.12, 86.86 0 M86.86 0 C94.51 1.81, 96.2 4.72, 96.29 9.43 M86.86 0 C94.4 -2.15, 97.78 1.14, 96.29 9.43 M96.29 9.43 C95.72 16.49, 96.27 21.89, 96.29 28.28 M96.29 9.43 C95.46 14.79, 95.81 21.94, 96.29 28.28 M96.29 28.28 C96.06 36.11, 93.89 39.35, 86.86 37.71 M96.29 28.28 C96.3 36.16, 91.17 38.05, 86.86 37.71 M86.86 37.71 C71.54 36.48, 52.87 35.26, 9.43 37.71 M86.86 37.71 C70.17 38.35, 53.88 39.13, 9.43 37.71 M9.43 37.71 C3.34 38.59, -1.44 36.47, 0 28.28 M9.43 37.71 C1.09 35.9, 1.17 33.31, 0 28.28 M0 28.28 C0.23 21.53, -0.51 18.13, 0 9.43 M0 28.28 C0.38 21.29, 0.84 15.54, 0 9.43 M0 9.43 C1.45 3.14, 2.81 1.8, 9.43 0 M0 9.43 C0.58 3.15, 5.1 -2.08, 9.43 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g transform="translate(808.3735962836406 445.00025763319576) rotate(0 29.969970703125 12.5)"><text x="29.969970703125" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="middle" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Cancel</text></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g stroke-linecap="round" transform="translate(1270.3961312574902 440.9284121452628) rotate(0 48.14565844700951 18.852882345225623)"><path d="M9.43 0 C35.5 -2.17, 63.75 0.76, 86.86 0 C96.43 -1.72, 95.4 4.45, 96.29 9.43 C97.35 17.72, 95.97 23.8, 96.29 28.28 C97.35 37.2, 92.02 39.9, 86.86 37.71 C69.7 34.07, 50.77 39.77, 9.43 37.71 C6.61 38.27, 0.6 36.56, 0 28.28 C2.28 19.52, 0.25 19.14, 0 9.43 C0.91 0.58, 6.35 -1.28, 9.43 0" stroke="none" stroke-width="0" fill="#b2f2bb"></path><path d="M9.43 0 C31.09 -1.24, 51.02 -0.87, 86.86 0 M9.43 0 C27.48 0.99, 44.12 0.88, 86.86 0 M86.86 0 C94.23 -1.87, 97.59 1.4, 96.29 9.43 M86.86 0 C93.85 0.24, 94.04 2.42, 96.29 9.43 M96.29 9.43 C96.92 15.15, 94.81 20.89, 96.29 28.28 M96.29 9.43 C96.1 13.97, 96.56 17.82, 96.29 28.28 M96.29 28.28 C96.3 35.95, 91.43 38.01, 86.86 37.71 M96.29 28.28 C94.39 36.79, 91.33 39.46, 86.86 37.71 M86.86 37.71 C64.19 36.02, 46.56 35.86, 9.43 37.71 M86.86 37.71 C62.84 38.83, 37.9 39.35, 9.43 37.71 M9.43 37.71 C1.36 36.14, 1.01 33.47, 0 28.28 M9.43 37.71 C2.32 35.82, -0.9 34.66, 0 28.28 M0 28.28 C0.9 24.21, -0.85 21.23, 0 9.43 M0 28.28 C0.52 23.63, -0.32 19.83, 0 9.43 M0 9.43 C0.51 3.15, 4.84 -1.81, 9.43 0 M0 9.43 C2.25 2.05, 1.14 0.1, 9.43 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g transform="translate(1282.831828767 447.2812944904885) rotate(0 35.7099609375 12.5)"><text x="35.7099609375" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="middle" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Confirm</text></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g stroke-linecap="round"><g transform="translate(777.3109725481509 116.13786584410855) rotate(0 309.56383973511777 0.29757226497946476)"><path d="M-0.68 -0.91 C102.77 -0.87, 516.2 -0.47, 619.81 -0.14 M1.16 1.23 C104.5 1.49, 515.41 1.64, 618.67 1.32" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><mask></mask></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g transform="translate(789.1842492675823 156.00735342339988) rotate(0 253.6197509765625 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Please validate your phone number ending with 7890</text></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g stroke-linecap="round" transform="translate(1010.6600165813288 256.0819533709336) rotate(0 75.1922383263377 18.279036594963316)"><path d="M0 0 C47.79 2.36, 96.71 1.89, 150.38 0 M150.38 0 C150.9 8.79, 149.45 19.87, 150.38 36.56 M150.38 36.56 C95.24 35.5, 40.08 34.99, 0 36.56 M0 36.56 C1.95 25.79, -0.18 16.68, 0 0" stroke="#1e1e1e" stroke-width="2.5" fill="none" stroke-dasharray="1.5 8"></path></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g transform="translate(797.7949968460939 261.6294022166841) rotate(0 98.52989196777344 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Authentication code</text></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g transform="translate(790.9298032599345 386.01456748426034) rotate(0 135.97987365722656 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Didn't receive code? Resend</text></g></g><g clip-path="url(#nC4SYDtm_B2P9C_3X_Bh4)"><g stroke-linecap="round"><g transform="translate(999.5602002119685 408.2535496458551) rotate(0 31.674235965372418 0.49801613326343386)"><path d="M0 0 C22.52 1.67, 42.67 0.31, 63.35 1 M0 0 C25.71 0.15, 49.74 0.24, 63.35 1" stroke="#868e96" stroke-width="1" fill="none"></path></g></g><mask></mask></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g stroke-linecap="round" transform="translate(28.34825233355855 558.0554908840504) rotate(0 338.7748987572139 225.69677170776504)"><path d="M32 0 C225.71 2.39, 419.77 2.02, 645.55 0 M32 0 C240.69 -1.67, 449.52 -2.04, 645.55 0 M645.55 0 C668.32 1.74, 675.7 10.16, 677.55 32 M645.55 0 C665.58 -1.25, 678.76 11.14, 677.55 32 M677.55 32 C677.61 149.19, 677.63 266.53, 677.55 419.39 M677.55 32 C678.16 117.64, 677.21 201.9, 677.55 419.39 M677.55 419.39 C675.66 442.66, 666.68 450.52, 645.55 451.39 M677.55 419.39 C679.64 439.37, 665.95 451.81, 645.55 451.39 M645.55 451.39 C481.19 451.56, 315.96 451.26, 32 451.39 M645.55 451.39 C404.08 450.36, 162.55 450.75, 32 451.39 M32 451.39 C11.23 452.11, -1.28 442.26, 0 419.39 M32 451.39 C12.37 453.59, -0.47 441.79, 0 419.39 M0 419.39 C-0.96 287.67, -1.01 154.61, 0 32 M0 419.39 C2.46 296.22, 2.5 174.3, 0 32 M0 32 C0.53 9.12, 10.89 0.23, 32 0 M0 32 C-1.39 12.71, 9.39 0.85, 32 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g transform="translate(62.92637733355855 580.6375221340504) rotate(0 173.76870727539062 17.5)"><text x="0" y="24.668" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="28px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Authentication code sent</text></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g stroke-linecap="round" transform="translate(65.0560784636807 950.2028661720203) rotate(0 48.14565844700951 18.85288234522568)"><path d="M9.43 0 C38.64 -0.87, 67.82 -0.8, 86.86 0 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font-size="20px" fill="#1e1e1e" text-anchor="middle" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Cancel</text></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g stroke-linecap="round" transform="translate(545.2543011814148 952.4839030293131) rotate(0 48.14565844700951 18.85288234522568)"><path d="M9.43 0 C37.8 -2.57, 59.33 -3.12, 86.86 0 C92.8 -1.95, 95.1 0.71, 96.29 9.43 C94.21 13.73, 97.95 15.48, 96.29 28.28 C94.88 33.18, 94.23 40.05, 86.86 37.71 C64.71 35.81, 43.24 39.58, 9.43 37.71 C5.25 34.52, -1.7 33.68, 0 28.28 C-0.01 25.34, -1.56 17.33, 0 9.43 C-1.83 5.13, 2.75 1.86, 9.43 0" stroke="none" stroke-width="0" fill="#b2f2bb"></path><path d="M9.43 0 C31.2 -0.33, 49.82 1.68, 86.86 0 M9.43 0 C38.84 -0.35, 69.92 0.4, 86.86 0 M86.86 0 C93.21 -0.07, 97.13 3.39, 96.29 9.43 M86.86 0 C92.65 0.32, 95.59 1.3, 96.29 9.43 M96.29 9.43 C97.96 13.74, 95.08 19.12, 96.29 28.28 M96.29 9.43 C97.13 16.35, 95.89 24.55, 96.29 28.28 M96.29 28.28 C95.67 35.6, 93.14 39.14, 86.86 37.71 M96.29 28.28 C96.81 35.36, 92.8 39.86, 86.86 37.71 M86.86 37.71 C63.75 37.26, 42.97 38.25, 9.43 37.71 M86.86 37.71 C61.59 39.26, 34.64 38.76, 9.43 37.71 M9.43 37.71 C3.97 37.75, 1.64 33.03, 0 28.28 M9.43 37.71 C4.14 35.84, -0.64 34.94, 0 28.28 M0 28.28 C-1.9 25.33, 0.29 21.17, 0 9.43 M0 28.28 C-0.59 24.92, -0.54 20.23, 0 9.43 M0 9.43 C-1.22 2.71, 5.09 -1.13, 9.43 0 M0 9.43 C1 3.96, 1.55 2.21, 9.43 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g transform="translate(557.6899986909243 958.8367853745387) rotate(0 35.7099609375 12.5)"><text x="35.7099609375" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="middle" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Confirm</text></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g stroke-linecap="round"><g transform="translate(52.169142472075464 627.693356728159) rotate(0 310.53377089059825 0.3869234480580417)"><path d="M0.86 1.05 C104.1 1.05, 515.98 -0.02, 619.09 -0.3 M-0.15 0.55 C103.48 0.76, 518.13 1.11, 621.22 1.07" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><mask></mask></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g transform="translate(64.04241919150695 667.5628443074504) rotate(0 217.0498046875 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Please validate your email address fl*@*.com</text></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g stroke-linecap="round" transform="translate(287.19873477387887 768.5023117785938) rotate(0 75.19223832633759 18.27903659496326)"><path d="M0 0 C30.15 1.9, 62.9 0.91, 150.38 0 M150.38 0 C150.1 11.12, 149.93 20.08, 150.38 36.56 M150.38 36.56 C106.21 36.37, 57.38 35.99, 0 36.56 M0 36.56 C1.85 20.88, -0.78 7.91, 0 0" stroke="#1e1e1e" stroke-width="2.5" fill="none" stroke-dasharray="1.5 8"></path></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g transform="translate(74.33371503864396 774.0497606243446) rotate(0 98.52989196777344 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Authentication code</text></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g transform="translate(79.4987877169126 873.1939106768102) rotate(0 135.97987365722656 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Didn't receive code? Resend</text></g></g><g clip-path="url(#oMsFx6lOZKAmI1LGrWCEF)"><g stroke-linecap="round"><g transform="translate(278.3925675716225 895.7988260755508) rotate(0 36.54254451403449 0.14009614859537578)"><path d="M0 0 C22.4 -0.55, 44.59 -0.53, 73.09 0.63 M0 0 C16.94 0.29, 31.38 -1.09, 73.09 0.63" stroke="#868e96" stroke-width="1" fill="none"></path></g></g><mask></mask></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g stroke-linecap="round" transform="translate(28.940051258007543 1076.7625549252364) rotate(0 338.7748987572139 225.69677170776504)"><path d="M32 0 C267.8 -1.06, 503.04 -0.53, 645.55 0 M32 0 C274.34 -1.7, 516.83 -1.74, 645.55 0 M645.55 0 C667.99 -0.05, 679.31 12.29, 677.55 32 M645.55 0 C666.52 1.22, 676.74 12.49, 677.55 32 M677.55 32 C677.76 162.12, 679.72 293.27, 677.55 419.39 M677.55 32 C675.63 172.3, 676.33 313.18, 677.55 419.39 M677.55 419.39 C676.68 439.98, 666.65 450.33, 645.55 451.39 M677.55 419.39 C677.64 438.93, 666.84 452.61, 645.55 451.39 M645.55 451.39 C474.22 450.28, 303.64 450.96, 32 451.39 M645.55 451.39 C505.98 449.67, 366.89 449.4, 32 451.39 M32 451.39 C12.03 451.02, 0.75 440.04, 0 419.39 M32 451.39 C12.36 450, -1.06 440.9, 0 419.39 M0 419.39 C-0.03 303.32, -0.01 186.78, 0 32 M0 419.39 C-1.89 312.67, -1.43 206.32, 0 32 M0 32 C-0.3 10.95, 11.3 -0.29, 32 0 M0 32 C-0.19 12.65, 9.23 0.06, 32 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g transform="translate(63.51817625800754 1099.3445861752366) rotate(0 173.76870727539062 17.5)"><text x="0" y="24.668" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="28px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Authentication code sent</text></g></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g stroke-linecap="round" transform="translate(65.6478773881297 1468.909930213206) rotate(0 48.14565844700951 18.85288234522568)"><path d="M9.43 0 C36.16 -2.06, 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92.2 37.64, 86.86 37.71 M96.29 28.28 C96.42 36.6, 95.25 36.02, 86.86 37.71 M86.86 37.71 C71.52 35.87, 53.63 38.38, 9.43 37.71 M86.86 37.71 C65.83 36.84, 42.87 37.52, 9.43 37.71 M9.43 37.71 C3.12 36.79, -0.94 32.73, 0 28.28 M9.43 37.71 C2.5 35.63, -2.19 33.98, 0 28.28 M0 28.28 C-1.44 22.36, -1.58 13.68, 0 9.43 M0 28.28 C-0.14 23.17, -0.65 16.46, 0 9.43 M0 9.43 C-1.82 1.57, 1.15 1.91, 9.43 0 M0 9.43 C-1.28 1.1, 5.35 1.2, 9.43 0" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g transform="translate(558.2817976153738 1477.5438494157245) rotate(0 35.7099609375 12.5)"><text x="35.7099609375" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="middle" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Confirm</text></g></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g stroke-linecap="round"><g transform="translate(52.76094139652446 1146.4004207693451) rotate(0 310.4018295950899 -0.07087851984863391)"><path d="M0.67 -0.03 C104.07 0.12, 518.03 0.86, 621.25 0.98 M-0.44 -1.09 C102.83 -1.26, 517.59 -0.59, 620.85 -0.64" stroke="#1e1e1e" stroke-width="2" fill="none"></path></g></g><mask></mask></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g transform="translate(64.63421811595595 1186.2699083486364) rotate(0 217.0498046875 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Please validate your email address fl*@*.com</text></g></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g stroke-linecap="round" transform="translate(287.79053369832855 1287.2093758197796) rotate(0 75.19223832633759 18.27903659496326)"><path d="M0 0 C59.41 -0.47, 118.29 0.95, 150.38 0 M150.38 0 C150.71 14.53, 152.54 27.63, 150.38 36.56 M150.38 36.56 C114.92 36.24, 81.42 34.53, 0 36.56 M0 36.56 C0.12 25.39, 0 18.42, 0 0" stroke="#1e1e1e" stroke-width="2.5" fill="none" stroke-dasharray="1.5 8"></path></g></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g transform="translate(74.92551396309295 1292.7568246655303) rotate(0 98.52989196777344 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Authentication code</text></g></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g transform="translate(80.09058664136205 1391.900974717996) rotate(0 135.97987365722656 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Didn't receive code? Resend</text></g></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g stroke-linecap="round"><g transform="translate(281.2695227460713 1416.1465151167365) rotate(0 35.3999663890346 -0.5052629853095141)"><path d="M0 0 C21.78 -0.79, 48.88 0.7, 70.8 -1.01 M0 0 C24.88 -0.27, 51.71 0.33, 70.8 -1.01" stroke="#868e96" stroke-width="1" fill="none"></path></g></g><mask></mask></g><g clip-path="url(#ul8eLSecBPD1FW0Z1IhRB)"><g transform="translate(76.65684813300754 1420.2835371852045) rotate(0 149.49984741210938 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#e03131" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Resending code possible in 67s</text></g></g><g clip-path="url(#BYGDzf77DMkgyFTmPLaO1)"><g transform="translate(816.5984256650738 1389.5955412185208) rotate(0 64.87994384765625 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#e03131" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Code expired.</text></g></g><g clip-path="url(#BYGDzf77DMkgyFTmPLaO1)"><g stroke-linecap="round" transform="translate(763.96415190786 1080.2464257607558) rotate(0 338.7748987572138 225.69677170776504)"><path d="M32 0 C211.55 -1, 389.49 -1.01, 645.55 0 M32 0 C158.19 2.08, 284.61 1.97, 645.55 0 M645.55 0 C667.32 -1.5, 676.74 11.26, 677.55 32 M645.55 0 C668.37 1.37, 679.58 10.7, 677.55 32 M677.55 32 C677.65 183.65, 678.54 336.04, 677.55 419.39 M677.55 32 C676.19 140.55, 676.97 250.54, 677.55 419.39 M677.55 419.39 C675.86 439.95, 665.41 452.85, 645.55 451.39 M677.55 419.39 C678.44 438.59, 666.19 451.13, 645.55 451.39 M645.55 451.39 C452.26 450.04, 259.14 450, 32 451.39 M645.55 451.39 C464.05 452.26, 283.14 452.26, 32 451.39 M32 451.39 C9.24 450.31, 1.6 441.68, 0 419.39 M32 451.39 C10.88 452.04, 0.51 442.51, 0 419.39 M0 419.39 C-0.7 316.03, -1.07 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fill="none"></path></g></g><mask></mask></g><g clip-path="url(#BYGDzf77DMkgyFTmPLaO1)"><g transform="translate(799.6583187658084 1189.7537791841557) rotate(0 217.0498046875 12.5)"><text x="0" y="17.619999999999997" font-family="Excalifont, Xiaolai, sans-serif, Segoe UI Emoji" font-size="20px" fill="#1e1e1e" text-anchor="start" style="white-space: pre;" direction="ltr" dominant-baseline="alphabetic">Please validate your email address fl*@*.com</text></g></g><g clip-path="url(#BYGDzf77DMkgyFTmPLaO1)"><g stroke-linecap="round" transform="translate(1025.9793222063536 1280.9588511608083) rotate(0 75.1922383263377 18.27903659496326)"><path d="M0 0 C43.6 -2.09, 88.83 -2.32, 150.38 0 M150.38 0 C150.8 13.38, 151.59 29.36, 150.38 36.56 M150.38 36.56 C92.08 39.44, 32.23 36.68, 0 36.56 M0 36.56 C-0.59 26.02, -0.74 16.27, 0 0" stroke="#ced4da" stroke-width="2.5" fill="none" stroke-dasharray="1.5 8"></path></g></g><g clip-path="url(#BYGDzf77DMkgyFTmPLaO1)"><g transform="translate(809.9189899711184 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+\ No newline at end of file
diff --git a/design-documents/index.rst b/design-documents/index.rst
@@ -100,4 +100,5 @@ Design documents that start with "XX" are considered deprecated.
086-wallet-design
087-wallet-onboarding
088-wallet-withdraw
+ 089-merchant-2fa
999-template
