PSBT (Partially Signed Bitcoin Transaction) is a standard container for incomplete transactions plus the metadata signers need (UTXO info, paths, scripts, partial signatures).
Why this matters
Hardware wallets, multisig cosigners, and watch-only constructors should not invent proprietary blob formats. PSBT is the interoperability layer.
Analogy
A PSBT is a shared clipboard for a group project: one person drafts the document, others add signatures in the right places, someone finalizes, then you submit.
Roles
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bitcoin-cli -regtest walletcreatefundedpsbt '[]' '{"<addr>":1.0}'
bitcoin-cli -regtest walletprocesspsbt <psbt>