DCQL: KYC (photo ID + address proof)

Scenario

KYC onboarding needs BOTH: a Photo ID (identity) AND a proof of address, where either a Utility Bill or a Bank Statement satisfies the address requirement. Two required credential_sets in one request.

Prerequisites

• An iGrant.io Organisation Wallet Suite (OWS) API key. Get it from support@igrant.io. Keep it on the server, in an environment variable or a secret manager. The browser never sees it.
• The OWS environment the key belongs to. The default is demo (https://demo-api.igrant.io). Use staging (https://staging-api.igrant.io) only when the integrator asks for it. A key works only in its own environment.