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M5-11 Credits/Vouchers Mechanism for Verification

Milestone: M5 — Disclosure and Verification SOW Reference: NFR5 (and referenced in the M5/M6 milestone description in Appendix 2) Requirement Clarity: ⚠️ Blocking — mechanism not specified in the SOW. The original v3 requirements doc (Appendix 1, "Run Presentation Verification if requested") describes a specific mechanism: use credits from either the Relying Party's account or the platform's pooled credits (available for up to 12 months to encourage adoption); call the Registrar to transfer credits to the Velocity Network treasury, receiving a voucher; use that voucher to call the Credential Agent for verification. The SOW's Appendix 1 (FR3) doesn't mention credits or vouchers at all — it only appears as a bare line item in the Appendix 2 milestone description. Get the mechanism re-confirmed and written down before building it. Dev Status: ❌ Not started — payment.module.ts is an empty stub with no controllers/providers

Overview

Implement the credit/voucher mechanism that pays for verification calls to the Credential Agent, per the original design: platform-pooled credits (time-limited) or organisation-purchased credits, exchanged for a Velocity Network voucher via the Registrar.

Backend Tasks

  • Confirm the mechanism still matches the original v3 doc's design, or get an updated spec
  • Implement credit balance tracking per organisation (and a platform-wide pool)
  • Implement the Registrar credit-transfer-for-voucher call
  • Use the voucher when calling the Credential Agent for verification (M5-08)

Frontend Tasks

  • Show credit balance to org admins
  • Handle the "out of credits" case gracefully in the verification flow

Dependencies

Acceptance Criteria

Not currently defined in SOW Appendix 3 — needs to be written once the mechanism is confirmed.

Existing Reference Material

  • Original v3 High-Level Requirements doc, Appendix 1, "Run Presentation Verification if requested" (not present in this repo — held by Curo/NeuralRays as the RFP-era document)

Blockers & Risks

  • Blocking: cannot be estimated or built without a confirmed spec — treat as equal priority to M5-02 and M7-01.