PASSID Core is the signal translation layer. It ingests corridor-aware open banking inputs and converts them into normalized, verifiable financial behavior claims with provenance and freshness. It does not issue lending decisions.
Normalizes cashflow patterns, income cadence, remittance behavior, and liquidity resilience across supported origin and destination systems.
Outputs structured credential claims such as income stability, cash buffer class, obligations reliability, sanctions status, and freshness metadata.
Every claim is generated with source lineage, model/schema version, and a bounded freshness window suitable for verifier policies.
{
"service": "passid-core",
"schema_version": "1.0.0",
"claims_generated": [
"income_stability",
"cash_buffer",
"income_recency",
"remittance_pattern",
"sanctions_clear"
],
"provenance": {
"corridor": "NG→UK",
"sources": ["open_banking", "wallet", "sanctions_lists"],
"freshness_hours": 48
}
}
Open banking, account aggregators, mobile money rails, sanctions lists, and corridor-specific normalization rules.
Portable claim objects ready for issuer signing, presentation requests, and downstream verification.
{
"service": "passid-core",
"claim_bundle_id": "cb_01hpassidcore",
"claims": {
"income_stability": "stable",
"cash_buffer_class": "high",
"remittance_pattern": "consistent",
"cross_border_continuity": "verified"
},
"provenance": {
"corridor": "NG→UK",
"sources": ["open_banking", "wallet", "sanctions_lists"],
"freshness_hours": 48
},
"decision_owner": "institution"
}