OWF: Foundations for Interoperability To support different member-proposed standard credential types the OWF must develop a common core that lays the foundation for interoperability and inclusivity. The level required for OWF-based wallets to be accepted by governments and regulatory regimes around the world is high and requires the common core to solve for interop at four different layers: 1. Legal: Governance for the interoperability of credentials, systems and the management of identity and access rights across multiple applications and services to meet regulatory and security requirements; 2. Business: Alignment of business processes, responsibilities and expectations to achieve commonly agreed and mutually beneficial goals; 3. Semantic and syntactic: The ability of two or more systems to exchange data even if the interface and programming languages are different; 4. Protocol: The ability of different systems devices, applications or products to connect and communicate in a coordinated way without effort from the end user.