SOFA's 2017 specification separates a payment request from recipient approvalSOFA's pinned specification describes financial chatbots, recipient-approved payment requests and transaction notifications whose reliability depends on a trusted source.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