The Chip Authentication Procedure (CAP) application SDK offers a complete and secured solution for application design and roll-out. Based on contact and contactless EMV smart cards, CAP enables full mobility, for off- or online use. The complete tool kit helps designing pilots and applications. The CAP SDK is aimed at merchants and smart-card issuers such as banks and financial organisations, services providers, retailers, and online services. Both the API and software architecture are fully secure and will run on any PDA products (such as Palm and Pocket PC) or on smart-card readers. They will also run on all EMV smart-card Multos or Javacard systems.