Description
Transaction Authorization Protocol (TAP) is an open-source, blockchain-agnostic protocol for coordinating payment authorization before on-chain settlement. It defines how counterparties exchange signed Transfer Requests and communicate through encrypted DIDComm messaging to verify identities, enforce compliance policies, and authorize transactions before funds move. Participants—parties, agents, and infrastructure systems—interact through the protocol layer across any wallet, exchange, or smart contract. TAP evolves through community-governed Transaction Authorization Improvement Proposals (TAIPs) on GitHub and is not controlled by any single company.