Identerati are excited about the potential for EU identity wallets. But less obvious is what the proponents intend to do to enable PAYMENTS. Identity and payments have different functional requirements, making it challenging creating a "unified" standard without ending up with an unimplementable "frankenwallet". This episode will discuss an idea for a different kind of Payment Authorization Wallet, uniquely targeting payments, that it is based on Deterministically Encoded CBOR rather than JSON.