PASSID turns user-permissioned financial history into portable, cryptographically signed credentials institutions can verify in one API call - without receiving raw financial data or giving up control of the final decision.
PASSID verifies claims. Institutions decide.
Users connect financial sources, PASSID creates signed credential claims, users share scoped tokens, and institutions verify the claims inside their own systems.
Use a sandbox token to see the institution-facing response shape. Demo data is synthetic and for integration testing only.
PASSID does not approve, deny, price, lend, or underwrite. Institutions own all final decisions.
PASSID helps banks, fintechs, lenders, insurers, landlords, and platforms accept signed, revocable, auditable credential claims while keeping onboarding, risk, and compliance decisions inside their own systems.
When people cross a border, their credit history often stays behind. Disciplined financial behavior becomes hard for local institutions to verify quickly and fairly.
PASSID changes the primitive. Instead of relying only on a bureau file, institutions can verify signed financial behavior claims with user consent.
Choose a solution path to see exactly how PASSID works for that audience, why it matters, and where they enter the product.
These corridors represent priority pilot markets and integration targets. They are examples of where PASSID's credential architecture is designed to apply — not all corridors are live in production. Contact us to discuss your specific corridor requirements.
These corridors represent priority pilot markets and integration targets. Not all corridors are live in production. Institutions test using sandbox credentials before any live rollout.
PASSID is built for open-banking style financial data connections and transforms verified financial signals into portable, verifiable credentials.
Every architectural decision serves verifier trust: signed claims, freshness, revocation, and auditability.
PASSID is built for controlled pilots where institutions can test credential verification, review claim accuracy, and validate integration before production use.
Existing solutions often port a bureau file, connect raw data, or verify a single income source. PASSID packages user-permissioned financial history into reusable, cryptographically signed credentials. Institutions verify scoped claims, then apply their own policy.
The verifier API returns token status, signed credential claims, freshness, revocation, and audit metadata. PASSID verifies the credential package; your institution applies its own policy.
Every design decision serves the same goal: making credential verification easier for compliance, risk, and engineering teams to review.
PASSID is designed for institutions that want to test credential verification with sandbox credentials, scoped claims, audit metadata, and a clear sandbox-to-live review before any production deployment. No commitment before you have reviewed the results.
Test a sandbox verificationInstead of sending statements, screenshots, and fragmented PDFs, the applicant shares a compact token. PASSID verifies token status, issuer signature, freshness, and revocation, then returns claim summaries for the institution's own policy workflow.
1.4 billion mobile money users and hundreds of millions of cross-border workers carry real financial track records. Legacy credit systems cannot read them. The result: invisible borrowers for institutions — and locked-out users who have already proved themselves.
International students, migrant professionals, and globally mobile workers often arrive with savings history, repayment discipline, and active bank relationships — but traditional scoring systems fail to recognize any of it.
Instead of relying only on a domestic bureau file, institutions receive normalized behavior signals: income consistency, balance resilience, remittance patterns, savings cadence, and verified institutional attestations.
PASSID gives institutions a credential verification layer: signed claims, freshness windows, revocation state, and audit metadata — all without receiving financial statements or raw transaction feeds. Institutions apply their own onboarding and compliance policies.