Sunet Tradeverifyd Okta This document defines a reference architecture for direct presentation flows of digital credentials. The architecture introduces the concept of a presentation mediator as the active component responsible for managing, presenting, and selectively disclosing credentials while preserving a set of security and privacy promises that will also be defined. Discussion Venues This note is to be removed before publishing as an RFC. Source for this draft and an issue tracker can be found at https://github.com/leifj/wallet-refarch.