[sleevi]

The QWACs can be issued by anyone who meets the minimum requirements, which are substantially less than those required for TLS server CAs in browsers. So while it’s true that banks can issue these, in practice there are many small companies with fewer than a thousand or so certs out there which have the same requirement that they must be accepted.

The eID certificates do come with probative (legal) effect, but this is where it gets complicated.

If the CA is hacked or screws up, yes, the CA is liable. But only if you did everything you were supposed to, such as checking every element of the certificate. These certificates have a variety of fields, such as “liability only up to XX euros”, and you (the site or user) are liable if you use it for more than that.

PSD2 has shown that the standards are a nightmare to fully implement. https://wso2.com/blogs/thesource/all-you-need-to-know-about-... gives a useful overview of how it’s worked for PSD2, and the new Digital Identity Framework/eIDAS Revisions proposes to make that the approach the standard everywhere.

In practice, this means that the server accepting your certificate needs to implement all of this correctly (spoiler: they don’t), or they bear the liability if the CA gets hacked - and they can’t distrust that CA. It also means the CA potentially learns every site you visit, because the sites have to check with the CA (if using OCSP).

Of course, if the government themselves directed the CA to misissue - e.g. at the direction of law enforcement - no such liability would be presumed, because it was a presumably lawful issuance.

[denton-scratch]

Thanks. Your explanation is miles more informative about that than the original article.