DCQL pattern: KYC request combining two required credential groups in one OpenID4VP verification on the iGrant.io Organisation Wallet Suite - a Photo ID (mso_mdoc) for identity plus proof of address where either a Utility Bill or a Bank Statement (dc+sd-jwt) is acceptable. Know-your-customer onboarding for banks, fintechs, and regulated services with EUDI Wallet (EUDIW) under eIDAS 2.0.
