FormFree

FormFree empowers consumers to understand their ability to pay and share it with lenders like never before. Using FormFree's Passport app, consumers can share all the core financial data required by loan underwriters — including identity, assets, income, employment, credit history and cash-flow data — in seconds.

Once consumers are ready to transact, they can anonymously share their data on the FormFree Exchange (FFX) and receive immediate offers from a marketplace of lenders who fully understand their ability to pay, residual income and eligibility for down payment assistance and inclusive lending programs.

For more information, visit formfree.com
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DCX

DCX is a new Decentralized Web Node (DWN) protocol that securely and privately facilitates the decentralized exchange of a user's verifiable credentials for new verifiable credential(s). The npm package implements each side of the protocol along with a common library and a server. For more information about DCX, check out the following links:

Credentials

Below are schema definitions of verfiable credentials issued by FormFree.

DID Documents

Below are DID documents for FormFree and our trusted issuers.

Manifests

Below are credential manifest definitions used during presentation exchange by FormFree.

Protocols

DCX

Below are protocol definitions for DCX: full protocol (combined verifier & applicant), verifier only and applicant only. Protocols define the CRUD operations permitted on the different DWN records defined in the Schemas section below. The full DCX protocol is not implemented directly. It is implemented separately but is provided here for reference.

Schemas

Below are schema definitions for DWN records used by FF. Schemas define the structure of the different DWN records defined in the Protocols section above. The schemas are used to construct and validate the DWN records.

General

MFA Record Schema
- Schema definition for MFA DWN records.
- Created by applicants and issuers to facilitate the verification of an applicant phone or email.
- Implemented by the MFA protocol (click here to view protocol definition)

DCX

Application Record Schema
- Conforms to the DIF specification for a credential application.
- Schema definition for credential application DWN records submitted by DCX applicant to DCX verifier DWN.
- Includes the actual input credentials currently held by DCX applicant.
- Used to request a new output credential from a DCX verifier.

Manifest Record Schema
- Schema definition for manifest records written by dcx verifiers to their own dwn and read by dcx applicants.
- Conforms to the DIF specification for a credential manifest.
- Defines the input credentials required to obtain an output credential and the type of output credential that will be issued.
- Read by applicants and used to know what credentials they need to acquire before requesting an output credential from a dcx verifier and dcx issuer.

Response Record Schema
- Conforms to the DIF specification for a credential response.
- Schema definition for credential response DWN records.
- Created by dcx verifiers in response to a credential application record.
- Contains either a fulfillment or a denial.

Invoice Record Schema
- Optional Schema definition for invoice DWN records.
- Created by dcx verifiers and sent to dcx applicant DWNs.
- Currently unimplemented.