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The State of
Digital Wallets
Preview of Market Report :
Where the Digital Wallet market
is and where it is headed.
This presentation is released under a Creative Commons license. (CC BY-SA 4.0).
SSIMeetup.org
Darrell O’Donnell, P.Eng.
President & CEO
Continuum Loop Inc.
T: @darrello
1. Empower global SSI communities
2. Open to everyone interested in SSI
3. All content is shared with CC BY SA
SSIMeetup.org
Alex Preukschat @SSIMeetup @AlexPreukschat
Coordinating Node SSIMeetup.org
https://creativecommons.org/licenses/by-sa/4.0/
SSIMeetup objectives
Agenda
● Why a study and reports?
● Digital Wallet Capabilities
● Agents
● State of Tech, Standards, and Art of the Possible
● Business and Markets
SSIMeetup.org
Why a Study? Why Reports?
“I don’t do reports”...
So why?
● Simple - there had been enough hand-waving about wallets.
● Problems and lack of clarity was causing projects and initiatives to die early
or fade out.
● Defining a Digital Wallet became impossible.
● Group of leaders wanted to know where to start.
● What’s the bare minimum and where does this go?
SSIMeetup.org
What Did We Do?
● Researched over 300 projects
● IIW / RWoT
● Deep discussions with market leaders
● Wrote reports
○ Public (Creative Commons) and a Private Report
● Create reference site for gathering information
SSIMeetup.org
Wallet Capabilities
● Managing Credentials
● Authenticating
● Organizing
● Rendering
● Personas
● Emergency Access
● Trust Hubs/Registries
● Compliance and Monitoring
● Schemas & Overlays
● Revocations and Expiries
● Signing
● Offline Operations
● Keys & Secrets
● Secure Hardware Integration
● Notification
● Backup & Recovery
● Vault Support
● Multiple Device Support
● Synchronization
● Selective Disclosure
● Guardianship & Delegation
● Messaging
SSIMeetup.org
Guiding Principles
● Consent Driven
● Privacy by Design
● Security by Design
● Portable and Open by Default
SSIMeetup.org
“Stuff” In a Digital Wallet
● Receipts, Ownership, and Warranties
● Address Book & Relationships
● Consent - Receipts and Relationships
● ...
SSIMeetup.org
Enterprise Concerns
● Scale
● Multiple Agents
● Delegation - Rights, Roles,
and Permissions
● Protection
SSIMeetup.org
Agents
Types of Agents
Who is in Your Wallet?
● Break Glass…
● Insurers
● Monitors
● Auditors
SSIMeetup.org
State of Tech / Art of the Possible
● Current Successes
○ Few outside of the lab
○ Embedded Agents (e.g. VON)
● Where Are Things Working (and Failing) Now?
○ Single Purpose Use Cases
● Where is it Really Hard?
SSIMeetup.org
Where is Further R&D Required
● Trust Hubs
● Credential Lifecycle
● Certification
○ Can I Trust Bubba’s
Wallet?
● Rendering
● No Device / No Smartphone
● Guardianship & Delegation
● Schemas & Overlays
● Wallet Protection - loss /
theft
● Vault-as-a-Service
● Break Glass
● Bare Minimum
Portability
SSIMeetup.org
Standards
● Protocol Evolution (proprietary -> community -> formal)
● Overview of Standards Landscape
● Assurance Levels
● Pan-Canadian Trust Framework
● Portability
SSIMeetup.org
User Experience - The Big Challenge
● Organizing, Finding, and Using My Stuff
● Invites, Offers, and Requests
● What’s Normal (What’s Weird)?
SSIMeetup.org
Business & Markets
Help Build the Ecosystem
Early Business Approaches
● Single-Purpose Use Cases
● Backup & Recovery is Mandatory
● Simple Trust Hubs
Influence Things
SSIMeetup.org
SSIMeetup.org
The Wallet Wars
●
What Next?
● Report is in layout
● PDF (free) and Printed (at cost)
● Will be released CC by SA 4.0
● Private report to sponsors
Pre-Production Version Available -
https://www.continuumloop.com/get-digital-wallet-report
● Draft PDF
● Final PDF when complete
SSIMeetup.org
18
www.IdentityBook.info / @IdentityBookHQ
Digital Banking just got faster and more trustworthy with Decentralized Identity
by James Monaghan & Darrell O’Donnell
Identity wallets are not the same as crypto wallets by Kyle Kemper & Darrell
O’Donnell SSIMeetup.orghttps://creativecommons.org/licenses/by-sa/4.0/
The State of
Digital Wallets
Preview of Market Report :
Where the Digital Wallet market
is and where it is headed.
This presentation is released under a Creative Commons license. (CC BY-SA 4.0).
SSIMeetup.org
Darrell O’Donnell, P.Eng.
President & CEO
Continuum Loop Inc.
T: @darrello

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The State of Digital Identity Wallets – Darrell O’Donnell

  • 1. The State of Digital Wallets Preview of Market Report : Where the Digital Wallet market is and where it is headed. This presentation is released under a Creative Commons license. (CC BY-SA 4.0). SSIMeetup.org Darrell O’Donnell, P.Eng. President & CEO Continuum Loop Inc. T: @darrello
  • 2. 1. Empower global SSI communities 2. Open to everyone interested in SSI 3. All content is shared with CC BY SA SSIMeetup.org Alex Preukschat @SSIMeetup @AlexPreukschat Coordinating Node SSIMeetup.org https://creativecommons.org/licenses/by-sa/4.0/ SSIMeetup objectives
  • 3. Agenda ● Why a study and reports? ● Digital Wallet Capabilities ● Agents ● State of Tech, Standards, and Art of the Possible ● Business and Markets SSIMeetup.org
  • 4. Why a Study? Why Reports? “I don’t do reports”... So why? ● Simple - there had been enough hand-waving about wallets. ● Problems and lack of clarity was causing projects and initiatives to die early or fade out. ● Defining a Digital Wallet became impossible. ● Group of leaders wanted to know where to start. ● What’s the bare minimum and where does this go? SSIMeetup.org
  • 5. What Did We Do? ● Researched over 300 projects ● IIW / RWoT ● Deep discussions with market leaders ● Wrote reports ○ Public (Creative Commons) and a Private Report ● Create reference site for gathering information SSIMeetup.org
  • 6. Wallet Capabilities ● Managing Credentials ● Authenticating ● Organizing ● Rendering ● Personas ● Emergency Access ● Trust Hubs/Registries ● Compliance and Monitoring ● Schemas & Overlays ● Revocations and Expiries ● Signing ● Offline Operations ● Keys & Secrets ● Secure Hardware Integration ● Notification ● Backup & Recovery ● Vault Support ● Multiple Device Support ● Synchronization ● Selective Disclosure ● Guardianship & Delegation ● Messaging SSIMeetup.org
  • 7. Guiding Principles ● Consent Driven ● Privacy by Design ● Security by Design ● Portable and Open by Default SSIMeetup.org
  • 8. “Stuff” In a Digital Wallet ● Receipts, Ownership, and Warranties ● Address Book & Relationships ● Consent - Receipts and Relationships ● ... SSIMeetup.org
  • 9. Enterprise Concerns ● Scale ● Multiple Agents ● Delegation - Rights, Roles, and Permissions ● Protection SSIMeetup.org
  • 10. Agents Types of Agents Who is in Your Wallet? ● Break Glass… ● Insurers ● Monitors ● Auditors SSIMeetup.org
  • 11. State of Tech / Art of the Possible ● Current Successes ○ Few outside of the lab ○ Embedded Agents (e.g. VON) ● Where Are Things Working (and Failing) Now? ○ Single Purpose Use Cases ● Where is it Really Hard? SSIMeetup.org
  • 12. Where is Further R&D Required ● Trust Hubs ● Credential Lifecycle ● Certification ○ Can I Trust Bubba’s Wallet? ● Rendering ● No Device / No Smartphone ● Guardianship & Delegation ● Schemas & Overlays ● Wallet Protection - loss / theft ● Vault-as-a-Service ● Break Glass ● Bare Minimum Portability SSIMeetup.org
  • 13. Standards ● Protocol Evolution (proprietary -> community -> formal) ● Overview of Standards Landscape ● Assurance Levels ● Pan-Canadian Trust Framework ● Portability SSIMeetup.org
  • 14. User Experience - The Big Challenge ● Organizing, Finding, and Using My Stuff ● Invites, Offers, and Requests ● What’s Normal (What’s Weird)? SSIMeetup.org
  • 15. Business & Markets Help Build the Ecosystem Early Business Approaches ● Single-Purpose Use Cases ● Backup & Recovery is Mandatory ● Simple Trust Hubs Influence Things SSIMeetup.org
  • 17. What Next? ● Report is in layout ● PDF (free) and Printed (at cost) ● Will be released CC by SA 4.0 ● Private report to sponsors Pre-Production Version Available - https://www.continuumloop.com/get-digital-wallet-report ● Draft PDF ● Final PDF when complete SSIMeetup.org
  • 18. 18 www.IdentityBook.info / @IdentityBookHQ Digital Banking just got faster and more trustworthy with Decentralized Identity by James Monaghan & Darrell O’Donnell Identity wallets are not the same as crypto wallets by Kyle Kemper & Darrell O’Donnell SSIMeetup.orghttps://creativecommons.org/licenses/by-sa/4.0/
  • 19. The State of Digital Wallets Preview of Market Report : Where the Digital Wallet market is and where it is headed. This presentation is released under a Creative Commons license. (CC BY-SA 4.0). SSIMeetup.org Darrell O’Donnell, P.Eng. President & CEO Continuum Loop Inc. T: @darrello