Igrantio Dcql Multiple Statements

DCQL: multiple instances of one credential (bank statements)

Scenario

A loan provider assesses an application and needs six recent BankStatement credentials. multiple: true lets the wallet return several instances of the same credential type in one presentation.

Before you build: run the integrator intake in igrantio-ows-overview - environment, API key, tenancy, backend host, webhooks, frontend - one question at a time, a recommended default with each.

The DCQL query

{
  "credentials": [
    {
      "id": "bank_statement",
      "format": "dc+sd-jwt",
      "multiple": true,
      "meta": {
        "vct_values": [
          "https://credentials.bank.com/bank_statement"
        ]
      },
      "claims": [
        { "id": "statement_period", "path": ["period"] },
        { "id": "account_number", "path": ["account_number"] },
        { "id": "account_holder_name", "path": ["account_holder_name"] }
      ],
      "claim_sets": [
        ["statement_period", "account_number", "account_holder_name"]
      ]
    }
  ]
}

Run it on OWS

1. Store as a presentation definition; send the verification request (v3).
2. On presentation_acked + verified === true, vpTokenResponse / presentation carry SEVERAL entries for the one query id - iterate all of them, do not read only presentation[0].
3. Validate business rules server-side: count received, contiguous period values, same account_number across instances.

Adjust for your deployment

• vct_values: your bank-statement credential VCT.
• DCQL's multiple does not fix a COUNT - enforce "six recent months" in your verification logic and re-prompt if short.
• Combine with trusted_authorities to only accept statements issued by regulated banks.

Cross-references

• igrantio-dcql-kyc - single bank statement as address proof.
• The TS12 e-mandate transaction data (igrantio-ows-overview api-reference §2.1) often follows this check in a loan flow.

Source of truth

This workflow mirrors https://docs.igrant.io/docs/dcql-2-4-6-loan-application-multiple-bank-statements/ (query detailed in https://docs.igrant.io/concepts/eudi-wallet-dcql-openid4vp-business-wallet-payments/, §2.4.6). Before implementing, fetch the doc page; if it disagrees with this skill, the documentation wins - follow it and report the drift so the skill can be updated.