&gt; The aim of this spec is not to exceed 2 pages<p>Then this spec will never be anywhere close to complete.<p>Money isn&#x27;t just a piece of information that can pass from one place to another. &quot;encryption, workflow, trust and aggregation systems&quot; are not just things you can handwave away.<p>Who is willing to process transactions like these? Why is encryption and signing not part of the standard?<p>What happens if I post a credit that is not my own, or with the same @id but differing contents? How much data is exposed by GET &#x2F;wallet, and will it be a privacy concern?<p>It&#x27;s just not helpful.