{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://smoa.dev/schemas/credential-payload-payment.schema.json",
  "title": "Credential sync payload — payment",
  "description": "Optional structured fields for credentialType payment (tokens, instruments). No card PANs in clear text; use token references and extensions per PCI/program policy.",
  "type": "object",
  "properties": {
    "completeCredentialDomain": {
      "type": "string",
      "const": "payment"
    },
    "issuingAuthority": {
      "$ref": "credential-authority.schema.json#/$defs/IssuingAuthorityContext"
    },
    "paymentTokenRef": {
      "type": "string",
      "description": "Opaque token id from issuer switch / wallet."
    },
    "extensions": {
      "type": "object",
      "additionalProperties": true
    }
  },
  "additionalProperties": false
}