diff --git a/m3/fonts/Inconsolata-Bold.ttf b/fonts/Inconsolata-Bold.ttf
similarity index 100%
rename from m3/fonts/Inconsolata-Bold.ttf
rename to fonts/Inconsolata-Bold.ttf
diff --git a/m3/fonts/Inconsolata-Regular.ttf b/fonts/Inconsolata-Regular.ttf
similarity index 100%
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similarity index 100%
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rename to fonts/RobotoMono-Bold.ttf
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similarity index 100%
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rename to fonts/RobotoMono-BoldItalic.ttf
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similarity index 100%
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rename to fonts/RobotoMono-Italic-VariableFont_wght.ttf
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similarity index 100%
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rename to fonts/RobotoMono-Italic.ttf
diff --git a/m3/fonts/RobotoMono-Regular.ttf b/fonts/RobotoMono-Regular.ttf
similarity index 100%
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rename to fonts/RobotoMono-Regular.ttf
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diff --git a/m3/ngi-ap3-m3-report.tex b/m3/ngi-ap3-m3-report.tex
index b0b76ab..fa64db8 100644
--- a/m3/ngi-ap3-m3-report.tex
+++ b/m3/ngi-ap3-m3-report.tex
@@ -16,7 +16,7 @@
 \usepackage{graphicx}
 \usepackage{listings}
 \usepackage{fontspec}
-\setmonofont[Path = fonts/,
+\setmonofont[Path = ../fonts/,
              Extension = .ttf,
              UprightFont = *-Regular,
              ItalicFont = *-Italic,
diff --git a/m3/usability_testing_script_sept2022.pdf b/m3/usability_testing_script_sept2022.pdf
deleted file mode 100644
index 0330f8e..0000000
Binary files a/m3/usability_testing_script_sept2022.pdf and /dev/null differ
diff --git a/m4/jugendschutz-kommission.txt b/m4/jugendschutz-kommission.txt
new file mode 100644
index 0000000..67aa78a
--- /dev/null
+++ b/m4/jugendschutz-kommission.txt
@@ -0,0 +1,57 @@
+Hi Stefan,
+
+Vielen Dank!
+
+Kannst du dazu ein paar Saetze fuer Oec's NGI POINTER Bericht auf 
+Englisch schreiben? Ich denke wichtig fuer POINTER sind:
+- wir sind in Kontakt mit dieser Kommission
+- die Sitzung ist erst am 7.12.2022, daher kann es vorher nichts
+  offizielles geben
+- wir bereiten eine Eingabe vor
+
+In Bezug auf den Vorgang selber denke ich, dass wir in unserer Eingabe 
+nicht nur das ESORICS-Paper haben sollten, sondern auch eine genauere 
+Darstellung was passieren soll mit Konten die Jugendlichen gehoeren (=> 
+wenn wir das per EBICS rausbekommen) und den Plan, unser KYC zur 
+Altersverifikation bei P2P Zahlungen zu nutzen und so jugendlichen 
+Empfaengern auch eine Altersrestriktion aufzuzwingen.
+
+Hast du die Eingabe schon gemacht, oder "nur" einen Text vorbereitet? 
+Den sollten ich und Oec sicherlich deutlich vor dem 7.12. nochmal 
+gegenlesen / ueberarbeiten...
+
+My 2 cents
+
+Christian
+
+On 10/19/22 20:57, Stefan Kügel wrote:
+> Hallo Christian,
+> 
+> die Kommission für Jugendmedienschutz hat mir in Aussicht gestellt, GNU 
+> Taler als übergreifendes Jugendschutzkonzept zu bewerten und mit 
+> einerPositivbewertung als empfehlenswert auf seine Webseite 
+> https://www.kjm-online.de/aufsicht/technischer-jugendmedienschutz/uebergreifende-konzepte zu setzen. Dies würde auch eine Listung imDokument https://www.kjm-online.de/fileadmin/user_upload/KJM/Aufsicht/Technischer_Jugendmedienschutz/Uebergreifende_Jugendschutzkonzepte.pdf bedeuten, das den Inhalt der oben genannten Webseite auf 4 Seiten wiederholt.
+> 
+> Die KJM ist die zentrale Aufsichtsstelle für den Jugendschutz im 
+> privaten Rundfunk und den Telemedien. Sie hat eine gemeinsame 
+> Geschäftsstelle der Landesmedienanstalten in Berlin. Ihr Plenum trifft 
+> sich am 7.12.2022 in Berlin zu einer Sitzung, vor der wir eine 
+> Systembeschreibung und das NGI-Paper zu Taler-Token mit 
+> Altersbeschränkungen eingeben. Koordiniert wird dies durch meinen 
+> Gesprächspartner Henning Mellage, Referent Recht & Aufsicht, der in der 
+> Landesanstalt für Medien NRW in Düsseldorf arbeitet.
+> 
+> Mir war es im Gespräch mit ihm wichtig zu betonen, dass GNU Taler ein 
+> sog. "übergreifendes Jugendschutzkonzept" ist und nicht etwa einer 
+> geschlossenen Benutzergruppe dient (Geschlossene Benutzergruppe heißt: 
+> Zugang zu Inhalten oder Gütern nur mit Altersverifikation durch 
+> Ausweisvorlage).
+> 
+> Die Positivbewertung ist kostenfrei, da sonst die KJM den Vorwurf der 
+> Befangenheit durch Geldannahme gegen sich gelten hätte, und das dürfe 
+> eine Behörde nicht zulassen, meinte Herr Mellage.
+> 
+> Falls noch Fragen zu dem Vorgang bestehen, stehe ich gern zur Auskunft.
+> 
+> Herzliche Grüße
+> Stefan
diff --git a/m4/ngi-ap3-m4-report.tex b/m4/ngi-ap3-m4-report.tex
new file mode 100644
index 0000000..b7b15b8
--- /dev/null
+++ b/m4/ngi-ap3-m4-report.tex
@@ -0,0 +1,332 @@
+\documentclass{scrartcl}
+\usepackage[a4paper]{geometry}
+\usepackage{hyperref}
+\usepackage[dvipsnames]{xcolor}
+\hypersetup{
+    colorlinks = true,
+    allcolors = {black},
+    linkcolor = DarkOrchid,
+    urlcolor = DarkOrchid,
+}
+\usepackage{url}
+\usepackage[font=footnotesize]{caption}
+\usepackage{amssymb}
+\usepackage{amsmath}
+\usepackage{pdfpages}
+\usepackage{graphicx}
+\usepackage{listings}
+\usepackage{fontspec}
+\setmonofont[Path = ../fonts/,
+             Extension = .ttf,
+             UprightFont = *-Regular,
+             ItalicFont = *-Italic,
+             BoldFont = *-Bold,
+             Scale=0.85]{RobotoMono}
+
+\lstdefinelanguage{typescript}{
+  keywords={typeof, new, true, false, catch, function, return, null, catch, switch, var, if, in, while, do, else, case, break, interface},
+  keywordstyle=\bfseries,
+  ndkeywords={class, export, boolean, number, Amount, string, Timestamp, RelativeTime, EddsaPublicKey, BrandtVickreyAuction, BrandtVickreyAuctionMessage, BrandtVickreyAuctionWinner, EddsaSignature, HashCode, throw, implements, import, this, BrandtVickreyReplayOutcome},
+  ndkeywordstyle=\bfseries,
+  identifierstyle=\color{black},
+  sensitive=false,
+  comment=[l]{//},
+  morecomment=[s]{/*}{*/},
+  commentstyle=\itshape,
+  %stringstyle=\color{red},
+  morestring=[b]',
+  morestring=[b]"
+}
+
+\lstset{
+   language=typescript,
+   %backgroundcolor=\color{lightgray},
+   extendedchars=true,
+   basicstyle=\footnotesize\color{NavyBlue}\ttfamily,
+   showstringspaces=false,
+   showspaces=false,
+   %numbers=left,
+   %numberstyle=\footnotesize,
+   %numbersep=9pt,
+   tabsize=2,
+   breaklines=true,
+   showtabs=false,
+   captionpos=b,
+   emphstyle=\bfseries
+}
+\newcommand{\TODO}[1]{{\color{orange}#1}\marginpar{{\color{orange}TODO}}}
+
+\begin{document}
+
+\title{AP³\\
+Report for Milestone IV\\
+NGI Pointer}
+\author{Özgür Kesim\\
+Christan Grothoff\\
+Florian Dold\\
+Stefan Kügel\\
+Emmanuel Benoist\\[\bigskipamount]
+\normalsize Mentor: Mirko Ross \href{mailto:m.ross@digital-worx.de}{<m.ross@digital-worx.de>}\\[\medskipamount]
+}
+
+\date{October 29, 2022}
+
+\maketitle
+
+\section*{Management summary}
+\begin{abstract}
+
+For the \textsc{NGI Pointer} programme, the AP³ project team extended GNU Taler with
+	\begin{itemize}
+		\item age-restricted payments,
+		\item peer-to-peer (P2P) payments and 
+		\item a proof-of-concept escrow functionality for
+			privacy-preserving auctions.
+	\end{itemize}
+
+This document provides the report for the final milestone IV with details on
+	the state of the implementation, the results of user experience studies
+	and projected future work.
+
+\end{abstract}
+
+\vfill
+\hfill {\footnotesize Version: 1.0}
+
+\thispagestyle{empty}
+
+\newpage
+\tableofcontents
+\newpage
+
+
+\section{Age Restriction}
+
+\TODO{}
+\subsection{Technical details}
+\TODO{}
+\subsection{Future Works}
+\TODO{}
+\subsection{Links}
+\TODO{}
+
+
+\newpage
+\section{P2P Payments}
+
+We implemented two styles of P2P payments: \textbf{push payments} where a
+user sends money to another Taler wallet (which can then accept the
+payment), and \textbf{pull payments} where a user sends an invoice to
+another Taler wallet (which can then pay the invoice).
+
+Both styles of payment only require one asynchronous uni-directional
+secure communication between the wallets to make the payment. The
+information that is exchanged is in both cases a short \texttt{taler://}-URI
+which allows the wallet to obtain further details from the payment service
+provider. These further details include the contract/invoice that the payment
+is for. The contract/invoice is stored encrypted at the exchange and thus
+cannot be learned by the exchange.
+
+The actual P2P payment works by having the initiator wallet first
+communicate with the Taler exchange to setup the payment. Then the
+Taler URI is communicated to the other wallet, for now usually via
+QR code or NFC transmission; however, users could also copy the URI
+to the clipboard and exchange it via some (secure) messenger. Upon
+receiving the URI, the other wallet then again interacts with the
+exchange to obtain more details and complete the payment.
+
+If the recipient of a push payment does not accept the payment
+(say because the message was lost in transmission, or they do not
+like the attached contract terms) the money is automatically refunded
+to the payer after some expiration date is reached.
+
+\subsection{Technical details}
+
+P2P payments always work by establishing a \textbf{purse} at the
+exchange.  A purse has an expiration date, target amount, minimum age,
+associated business contract (or invoice), an actual balance and two
+public-private key pairs representing permissions to operate on the
+purse.  For a push payment, the wallet of the sending user creates a
+purse (with contract and expiration time) and immediately ensures that
+the balance of the purse is the target amount.  The payer then sends
+the merge-capability key of the purse to the payee.  The payee can
+then use the merge-capability key to merge (move) the balance of the
+purse into a KYCed (i.e. know-your-customer ready) reserve of the receiving
+wallet.  A KYCed reserve basically is a long-term public-private key pair that
+identifies a wallet and a user at an exchange, ensuring income transparency.
+Once the money is in the reserve, the wallet can then use the reserve private
+key to withdraw fresh coins.
+
+When invoicing, the initiator again creates a purse, but this time
+does not put any money into it and keeps the merge capability key
+private.  The initiator wallet instead immediately specifies its own
+KYCed reserve as the one the purse should be merged into.  The
+initiator then shares a contract-download capability key with the
+payer.  The payer downloads the contract (including the purse public
+key) and can then decide to put money into the purse. Once the purse
+balance reaches the target amount, it is then automatically merged
+with the initiator's reserve. The initiator's wallet (long) polls the
+reserve and withdraws the funds as soon as they become available.
+
+The protocol and implementation includes a few refinements, like fees
+to be paid to the exchange for managing a purse and age-restrictions
+on the coins used to pay an invoice.
+
+\subsection{Future Work}
+
+The following features (from tiny to major) have been discussed in
+the team and ought to be implemented as part of future work.
+
+\begin{itemize}
+\item \textbf{Wallets:} The wallet UIs currently do not allow the user to actually specify
+  any age-restrictions on the payer when sending P2P pull payment requests
+  (invoicing).  This mostly is about adding one more drop-down widget.
+\item \textbf{Wallets:} The wallet UIs currently do not allow the user to actually specify
+  the expiration date for the purse. Instead, the duration is hard-coded
+  to a few hours (likely too short). This mostly is about adding one more
+  input field.
+\item \textbf{Auditor:} The Taler auditor was extended to support P2P transactions in
+  its audits, but the code has not been adequately tested (no
+  fault injection).
+\item \textbf{Exchange:} P2P payments currently only work if both wallets are using the
+  same exchange.  If multiple exchanges operate in the same currency
+  domain and the recipient has made their (expensive) KYC process
+  at one exchange and the payer has withdrawn from the other, a
+  direct payment between the wallets is not possible right now.  We
+  envision federation protocol using periodic aggregated
+  (``wad'') payments between exchanges should be added to support
+  P2P payments involing multiple exchanges in the future.
+\item \textbf{Mailbox (NEW):} Currently, sending the payment URI is largely left to the user.
+  We would like to implement a ``mailbox'' service for Taler wallets
+  that would enable wallets to asynchronously exchange URIs over the
+  Internet.  Once a wallet knows the mailbox address of another wallet
+  (which would include a public key to encrypt messages to), the user
+  would no longer be required to manually exchange the QR code.
+\item \textbf{TalDir (NEW):} To lookup the mailbox address of another wallet, we would like
+  to implement a directory service that maps existing addresses like
+  e-mail addresses, phone numbers or accounts in messengers or social
+  media platforms to a mailbox. When establishing the directory service
+  entry, the directory service would validate that the user registering
+  the wallet has control over the respective address.  Naturally, the
+  directory service would need to be trusted to return the correct
+  mapping.
+\item Both the mailbox and the directory service operators could
+  themselves be paid via Taler for their service. That should help
+  ensure a high quality of service from those operators.  Naturally,
+  using the mailbox or the directory service would be optional.
+\item \textbf{Messaging:} In the long term, we would like to see more direct integration
+  of Taler payment functionality with messaging applications, especially
+  for spam prevention (``The recipient has configured its software to
+  demand a payment of 50 cents before displaying a message from an unknown
+  sender to the user. If they like your message, they promise they would
+  refund this attention fee. Do you want to pay to have your message
+  shown? (Y/N)'').
+\end{itemize}
+
+
+\subsection{Links}
+
+\href{https://docs.taler.net/design-documents/013-peer-to-peer-payments.html}{Document
+013} at \url{https://docs.taler.net/design-documents/} presents the design.
+The main implementation parts for P2P are distributed over various code
+locations under \url{https://git.taler.net/wallet-core.git/tree/packages/}
+(wallet) and \url{https://git.taler.net/exchange.git/tree/src/exchange/}
+(exchange):
+\begin{description}
+  \item[Payment operations:] \href{https://git.taler.net/wallet-core.git/tree/packages/taler-wallet-core/src/operations/pay-peer.ts}{taler-wallet-core/src/operations/pay-peer.ts}
+  \item[Database schema related:] \href{https://git.taler.net/wallet-core.git/tree/packages/taler-wallet-core/src/db.ts#n2065}{taler-wallet-core/src/db.ts}
+  \item[Transaction list type declarations:] \href{https://git.taler.net/wallet-core.git/tree/packages/taler-util/src/transactions-types.ts#n251}{taler-util/src/transactions-types.ts}
+  \item[WebExtension UI:] \href{https://git.taler.net/wallet-core.git/tree/packages/taler-wallet-webextension/src/cta/InvoiceCreate}{taler-wallet-webextension/src/cta/InvoiceCreate} and \href{https://git.taler.net/wallet-core.git/tree/packages/taler-wallet-webextension/src/cta/InvoicePay}{InvoicePay}
+  \item[Exchange] \url{https://git.taler.net/exchange.git/tree/src/exchange/},
+    specifically:\\
+		\texttt{taler-exchange-httpd\_purses\_*.c}, \texttt{taler-exchange-httpd\_reserves\_purse\_*.c},
+    \texttt{taler-exchange-httpd\_contract.*},
+    \texttt{taler-exchange-expire.c} (plus related changes in the database, client libraries, history, auditor),
+    and the main test case at
+    \href{https://git.taler.net/exchange.git/tree/src/testing/test\_exchange\_p2p.c}{testing/test\_exchange\_p2p.c}
+\end{description}
+
+
+
+
+\newpage
+\section{Brandt-Vickrey Auctions}
+
+\TODO{}
+\subsection{Technical details}
+\TODO{}
+\subsection{Future Works}
+\TODO{}
+\subsection{Links}
+\TODO{}
+
+
+
+
+\newpage
+\section{User Experience Studies}
+
+For the \textsc{NGI Pointer} programme, the AP³ project team performed a
+usability study to gather feedback and inform further development of the
+age-restricted and P2P payment functionalities.
+
+The BFH ``Digitaltag'' is an annual day-long event where the
+university presents itself to the public. It is held right next to the
+central train station of Biel/Bienne, and is open to the general
+public.  It was attended by a mixture of prospective students, normal
+adults, Swiss executives and retirees.
+
+We used the opportunity to both present GNU Taler to the public, and
+to conduct usability studies with interested volunteers.
+
+\begin{figure}[h!]
+  \includegraphics[width=\textwidth]{pics/digitaltag-ux-setup.jpg}
+  \caption{Our booth, with GNU Taler publications (including on
+    age-restrictions), NGI stickers, and a Taler-enabled coffee machine.}
+\end{figure}
+
+
+\subsection{Preparation}
+
+We prepared several notebooks with a browser running a Taler wallet as
+well as several Android phones with the Taler Android wallet.  We
+set up the coffee machine and three Taler backends, one for CHF (used
+by the coffee machine), one for KUDOS (used with age-restrictions in
+the browser-based setup) and one for Bitcoin (used for P2P payments).
+We also prepared a rough write-up describing what we would like users
+to do.  These intended user stories are included in the appendix.  We
+note that during the day, we permitted participants to deviate from
+the script if they desired to do so, sometimes leading them to explore
+other GNU Taler features (and us learning interesting lessons about
+those).
+
+For the UX study, we prepared four tables: two tables with the coffee
+machine and information materials, and two tables with additional
+chairs for guests for the actual UX experiment.
+
+\begin{figure}[h!]
+  \includegraphics[width=\textwidth]{pics/digitaltag-ux-chairs.jpg}
+  \caption{Tables for the UX study with Prof. Benoist.}
+\end{figure}
+
+\subsection{Data collection}
+
+We did not collect any PII on the participants.\footnote{Except for
+one executive who had come just for our booth from Zug and who gave us
+his business card as he hopes to collaborate with us in the future.}
+Instead, each team member wrote down their observations.  We
+afterwards de-duplicated the observations and turned those that could
+lead to improvements into over 20 new issues on the GNU Taler
+bug-tracker (\#7334--\#7354).
+
+\subsection{Key conclusions}
+
+The day revealed the existence of several previously unknown bugs
+(like refresh not working properly with the new features) as well
+as quite a few surprising difficulties of users (not finding the
+QR code button, not finding the account balance, not understanding
+that the \texttt{shop.demo.taler.net} page is the shop where they should buy
+things). We will try to rectify those as soon as possible.
+
+
+\end{document}
diff --git a/m4/p2p-report.tex b/m4/p2p-report.tex
new file mode 100644
index 0000000..e2f74a1
--- /dev/null
+++ b/m4/p2p-report.tex
@@ -0,0 +1,188 @@
+%\documentclass{article}
+\documentclass[a4paper,12pt]{article}
+\usepackage[english]{babel}
+%\usepackage[a4paper,top=20mm,bottom=20mm,left=20mm,right=20mm,marginparwidth=1.75cm]{geometry}
+\usepackage[a4paper,top=20mm,bottom=20mm,left=20mm,right=20mm]{geometry}
+\usepackage{array}
+\usepackage[framemethod=tikz]{mdframed}
+\usepackage{makecell}
+\usepackage{enumitem}
+\usepackage{xcolor}
+\usepackage{parskip}
+
+\newcolumntype{P}[1]{>{\centering\arraybackslash}p{#1}}
+\newcolumntype{M}[1]{>{\centering\arraybackslash}m{#1}}
+
+\newenvironment{changemargin}[2]{%
+\begin{list}{}{%
+\setlength{\topsep}{0pt}%
+\setlength{\leftmargin}{#1}%
+\setlength{\rightmargin}{#2}%
+\setlength{\listparindent}{\parindent}%
+\setlength{\itemindent}{\parindent}%
+\setlength{\parsep}{\parskip}%
+}%
+\item[]}{\end{list}}
+
+% Useful packages
+\usepackage{amsmath}
+\usepackage{graphicx}
+\usepackage[colorlinks=true, allcolors=blue]{hyperref}
+
+%\title{Your Paper}
+%\author{You}
+\begin{document}
+%\maketitle
+
+%\begin{abstract}
+%Your abstract.
+%\end{abstract}
+
+\begin{center}
+{\Huge \textsc{NGI POINTER: Peer-to-Peer Payments}}
+\end{center}
+
+\section{Context}
+
+For the NGI POINTER programme, the GNU Taler team developed
+age-restricted payments, peer-to-peer (P2P) payments and a proof-of-concept
+ability to extend GNU Taler with escrow functionality for
+privacy-preserving auctions.  This document provides some
+details on the state of the P2P payment functionality.
+
+\section{Overview}
+
+We implemented two styles of P2P payments: {\bf push payments} where a
+user sends money to another Taler wallet (which can then accept the
+payment), and {\bf pull payments} where a user sends an invoice to
+another Taler wallet (which can then pay the invoice).
+
+Both styles of payment only require one asynchronous uni-directional
+secure communication between the wallets to make the payment. The
+information that is exchanged is in both cases a short {\tt
+  taler://}-URI which allows the wallet to obtain further details from
+the payment service provider. These further details include the
+contract/invoice that the payment is for. The contract/invoice is
+stored encrypted at the exchange and thus cannot be learned by the
+exchange.
+
+The actual P2P payment works by having the initiator wallet first
+communicate with the Taler exchange to setup the payment. Then the
+Taler URI is communicated to the other wallet, for now usually via
+QR code or NFC transmission; however, users could also copy the URI
+to the clipboard and exchange it via some (secure) messenger. Upon
+receiving the URI, the other wallet then again interacts with the
+exchange to obtain more details and complete the payment.
+
+If the recipient of a push payment does not accept the payment
+(say because the message was lost in transmission, or they do not
+like the attached contract terms) the money is automatically refunded
+to the payer after some expiration date is reached.
+
+\section{Technical details}
+
+P2P payments always work by establishing a {\bf purse} at the
+exchange.  A purse has an expiration date, target amount, minimum age,
+associated business contract (or invoice), an actual balance and two
+public-private key pairs representing permissions to operate on the
+purse.  For a push payment, the wallet of the sending user creates a
+purse (with contract and expiration time) and immediately ensures that
+the balance of the purse is the target amount.  The payer then sends
+the merge-capability key of the purse to the payee.  The payee can
+then use the merge-capability key to merge (move) the balance of the
+purse into a KYCed reserve of the receiving wallet.  A KYCed reserve
+basically is a long-term public-private key pair that identifies a
+wallet and a user at an exchange, ensuring income transparency. Once
+the money is in the reserve, the wallet can then use the reserve
+private key to withdraw fresh coins.
+
+When invoicing, the initiator again creates a purse, but this time
+does not put any money into it and keeps the merge capability key
+private.  The initiator wallet instead immediately specifies its own
+KYCed reserve as the one the purse should be merged into.  The
+initiator then shares a contract-download capability key with the
+payer.  The payer downloads the contract (including the purse public
+key) and can then decide to put money into the purse. Once the purse
+balance reaches the target amount, it is then automatically merged
+with the initiator's reserve. The initiator's wallet (long) polls the
+reserve and withdraws the funds as soon as they become available.
+
+The protocol and implementation includes a few refinements, like fees
+to be paid to the exchange for managing a purse and age-restrictions
+on the coins used to pay an invoice.
+
+\section{Future Work}
+
+The following features (from tiny to major) have been discussed in
+the team and ought to be implemented as part of future work.
+
+\begin{itemize}
+\item {\bf Wallets:} The wallet UIs currently do not allow the user to actually specify
+  any age-restrictions on the payer when sending P2P pull payment requests
+  (invoicing).  This mostly is about adding one more drop-down widget.
+\item {\bf Wallets:} The wallet UIs currently do not allow the user to actually specify
+  the expiration date for the purse. Instead, the duration is hard-coded
+  to a few hours (likely too short). This mostly is about adding one more
+  input field.
+\item {\bf Auditor:} The Taler auditor was extended to support P2P transactions in
+  its audits, but the code has not been adequately tested (no
+  fault injection).
+\item {\bf Exchange:} P2P payments currently only work if both wallets are using the
+  same exchange.  If multiple exchanges operate in the same currency
+  domain and the recipient has made their (expensive) KYC process
+  at one exchange and the payer has withdrawn from the other, a
+  direct payment between the wallets is not possible right now.  We
+  envision federation protocol using periodic aggregated
+  (``wad'') payments between exchanges should be added to support
+  P2P payments involing multiple exchanges in the future.
+\item {\bf Mailbox (NEW):} Currently, sending the payment URI is largely left to the user.
+  We would like to implement a ``mailbox'' service for Taler wallets
+  that would enable wallets to asynchronously exchange URIs over the
+  Internet.  Once a wallet knows the mailbox address of another wallet
+  (which would include a public key to encrypt messages to), the user
+  would no longer be required to manually exchange the QR code.
+\item {\bf TalDir (NEW):} To lookup the mailbox address of another wallet, we would like
+  to implement a directory service that maps existing addresses like
+  e-mail addresses, phone numbers or accounts in messengers or social
+  media platforms to a mailbox. When establishing the directory service
+  entry, the directory service would validate that the user registering
+  the wallet has control over the respective address.  Naturally, the
+  directory service would need to be trusted to return the correct
+  mapping.
+\item Both the mailbox and the directory service operators could
+  themselves be paid via Taler for their service. That should help
+  ensure a high quality of service from those operators.  Naturally,
+  using the mailbox or the directory service would be optional.
+\item {\bf Messaging:} In the long term, we would like to see more direct integration
+  of Taler payment functionality with messaging applications, especially
+  for spam prevention (``The recipient has configured its software to
+  demand a payment of 50 cents before displaying a message from an unknown
+  sender to the user. If they like your message, they promise they would
+  refund this attention fee. Do you want to pay to have your message
+  shown? (Y/N)'').
+\end{itemize}
+
+
+\section{Links}
+
+The design is documented at
+\url{https://docs.taler.net/design-documents/013-peer-to-peer-payments.html}.
+
+The main implementation parts are distributed over various
+code locations:
+
+\begin{description}
+  \item[Peer-to-peer payment operations in wallet:] \url{https://git.taler.net/wallet-core.git/tree/packages/taler-wallet-core/src/operations/pay-peer.ts}
+  \item[Database schema with p2p state in it:] \url{https://git.taler.net/wallet-core.git/tree/packages/taler-wallet-core/src/db.ts#n2065}
+  \item[Peer-to-peer transactions in the transaction list type declarations:] \url{https://git.taler.net/wallet-core.git/tree/packages/taler-util/src/transactions-types.ts#n251}
+  \item[WebExtension UI stuff related to peer-to-peer:] \url{https://git.taler.net/wallet-core.git/tree/packages/taler-wallet-webextension/src/cta/InvoiceCreate}, \url{https://git.taler.net/wallet-core.git/tree/packages/taler-wallet-webextension/src/cta/InvoicePay}
+  \item[Exchange] \url{https://git.taler.net/exchange.git/tree/src/exchange/},
+    specifically {\tt taler-exchange-httpd\_purses\_*.c}, {\tt taler-exchange-httpd\_reserves\_purse\_*.c},
+    {\tt taler-exchange-httpd\_contract.*},
+    {\tt taler-exchange-expire.c} (plus related changes in the database, client libraries, history, auditor),
+    and the main test case at {\tt https://git.taler.net/exchange.git/tree/src/testing/test\_exchange\_p2p.c}
+\end{description}
+
+
+
+\end{document}
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