HAT Data Debits are the cornerstone of consented data exchange. It is the only way data can be retrieved from the HAT by anyone else than the owner and enforces a strictly-defined format defining the specific data requested for the user to review and approve.

The general process of retrieving data using a Data Debit is:

  1. Propose a Data Debit including the Data Bundle specification to a HAT
  2. The HAT user sees the Data Debit as an unapproved request, reviews it and approves it. Data Debit becomes enabled
  3. Request Data Debit values from the HAT
  4. Optional: If any changes are required to the Data Debit request, submit a request to update it, go back to step 2