In this episode Heather Flanagan examines how web payments and digital identity are converging at the W3C, exploring digital wallets, browser-based APIs, and regulatory pressure shaping modern payment flows and trust on the web today as standards discussions reveal shifting assumptions across ecosystems.

Discover how Secure Payment Confirmation, passkeys, browser-bound keys, and the Digital Credentials API influence fraud prevention, interoperability, and auditability, and why agentic AI, mandate-based consent, and wallet fragmentation make identity design decisions increasingly critical for payments, institutions, and users worldwide.