Enterprise credentials carry bigger payloads than personal ones

ChatGPT agrees and says  (+++comments by me at +++) :

"that’s exactly where the EUBW will stand apart. Enterprise  credentials inevitably carry bigger payloads than personal ones — both in data volume and in semantic complexity. Needless to say that enterprises and public sector units have the same need. 

Why:

1. They describe entities, not individuals.
   An “EU Company Certificate,” “Proof of Employment,” or “IBAN Credential” doesn’t just assert one fact — it usually bundles a web of attributes (registration ID +++LPID&vLei+++, legal name, VAT, directors, registered address, sector codes, etc.). These can’t be reduced to the few kilobytes that fit a PID-style credential.
2. They encode relationships.
   A business credential often carries who represents whom (power-to-act, signing authority, mandates, delegations). Those relationships can nest and reference other credentials — meaning you get compositional payloads (credential-of-credential links).
3. They require evidence provenance.
   For trust and auditability, EUBW credentials will often embed verifiable references (URIs, hashes, signatures) to external registers and datasets — “data pointers” rather than flat attributes. That expands the logical payload even if the physical credential remains compact.
4. They support automation and AI-agent use.
   Machine-readable semantics (OWL, SHACL) and sometimes event triggers or usage policies (Rego, ODRL) will be part of the payload — so an AI-agent can act on a credential, not just store it. That’s a big step beyond today’s personal credentials.
5. Regulatory anchoring.
   Many enterprise credentials will be rulebook-based rather than statutory — so they’ll need embedded metadata describing the rulebook, issuer assurance level, and applicable jurisdiction — again, more payload.

In short: yes — EUBW credentials will be heavier, but they’ll also be smarter.
Think of EUDI wallet credentials as identity cards; EUBW credentials as legally-aware data containers powering automation and compliance.

conceptual layout:

🧱 Payload Layers in EUBW Credentials

Structure:
Think of it as a stacked horizontal bar or ladder, each layer representing a payload component — from simple identifiers up to AI-agent-usable policy logic.

1️⃣ Attribute Layer – “The Facts”

• Basic data fields (company name +++LPID+++, VAT ID, address, IBAN, employee ID).
• Compact, schema-based, similar to personal EUDI credentials.
  🡅 Comparable to a “digital business card.”

2️⃣ Relationship Layer – “Who Represents Whom”

• Power-to-Act, Mandate, Delegation, Role, and Employment references.
• Linked via DIDs/URIs to other wallets (organisations, agents, people).
  🡅 Makes the credential multi-party aware.

3️⃣ Provenance Layer – “Why It’s Trustworthy”

• Hashes and links to source registries, QTSP seals, timestamps.
• Includes reference to rulebooks, assurance levels, and issuing authority.
  🡅 Anchors the credential in verifiable, auditable evidence.

4️⃣ Semantic Layer – “What It Means”

• OWL classes and properties from shared EU vocabularies (e.g., Core Business, Core Location).
• SHACL Shapes defining permissible structures and values.
  🡅 Makes the payload interoperable across sectors, borders, and AI-agents.

5️⃣ Policy Layer – “How It Can Be Used”

• Embedded usage rights, expiry, consent, ODRL/Rego-style policy metadata.
• Defines what an AI-agent may do with it (sign, pay, verify, delegate).
  🡅 Turns the credential into an actionable digital contract fragment.

6️⃣ Automation Layer – “Who Acts on It”

• AI-agent signatures, execution triggers, and event hooks.
• Enables fully automated verification and business process execution.
  🡅 From static data to dynamic, self-executing credential objects."

Feel free to comment and correct