Users consent. PASSID verifies claims. Institutions decide. Create a portable credential from your bank data and share verified claims with institutions you choose.
Not a lender, credit bureau, bank, or decision engine. Institutions make all final decisions.
Customer clicks. PassID handles authentication, identity verification, and consent. You receive a connection_id. Like Plaid — without the bank passwords.
Your backend creates a connection request and gets back a hosted URL. Redirect your customer there — PassID handles sign-in, identity verification, and consent entirely. You're redirected back with a connection_id. Done.
connection_id in your callback unlocks identity, income, accounts, balances, and transactions with a single GET request. Customer revokes any time from their PassID wallet.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 production rollouts 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.
Whether you're verifying a token a customer already holds, or launching a Connect flow so the customer grants access themselves — both start in sandbox, both use the same key.
Customer presents a scoped PassID token. Your backend verifies it with a single POST — returns signed credential claims, freshness, revocation state, and audit metadata.
No PassID token required upfront. Customer clicks "Connect with PassID," approves, and you receive a connection_id. Most integrations complete in under a day.
Every design decision serves the same goal: making credential verification easier for compliance, risk, and engineering teams to review.
connection_id unlock?"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.