The comment proposes vendor-neutral APIs, including OAuth 2.0, OpenID Connect and W3C credentials, and leaves AML program duties with financial institutions.Shared standards provide a plausible technical context but do not establish an exclusive TIBBIR service or its fee rights.TIBBIR UNIVERSE THIS IS TIBBIR How to get TIBBIR Ribbit in numbers Connected clues Account archive Bridge & contracts On-chain research Connections Community The story Reading room Network map Timeline Findings Source library Conversations People & companies Open questions Export & reuse