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Product overview
Pilot access available

Three flows.
One verifier moment.

PASSID is credential infrastructure for portable financial trust: connect account, issue credential, verify credential. It is not a credit bureau, not a bank, not a institution decision workflow, and not a raw transaction feed for verifiers.

Core services
passid-core
Connect Account

Connects to supported supported financial source APIs and corridor-specific signal sources with user consent. Produces the user-permissioned signals needed to issue a credential.

✓  Built for open-banking style provider integrations
✓  12-month cashflow normalisation
✓  6 verified signal categories
✓  48h freshness TTL by default
passid-issuer
Issue Credential

Compiles user-permissioned signals into a signed, user-held credential with freshness, expiry, and revocation metadata.

✓  W3C VC / DID standard
✓  Ed25519 signing
✓  Signature and proof metadata
✓  On-device key storage
passid-verifier
Verifier API

One API call to verify a PASSID token. Returns signed claim summaries, signature status, freshness, revocation status, and audit metadata. It does not return raw financial data feeds.

✓  Verifier response shape
✓  REST + webhook delivery
✓  Sanctions / PEP / AML checks
✓  Audit-ready metadata
Core product flow

Connect account. Issue credential. Verify credential.

The user connects an account, PASSID issues a credential, and the institution verifies signed claims without receiving raw financial data. Every supporting surface exists to make these three flows reliable.

01
FLOW 1
Connect account
The user connects supported financial sources with consent. PASSID reads only the signals needed for credential claims.
account connected
02
FLOW 2
Issue credential
PASSID turns user-permissioned signals into a signed, revocable credential with freshness metadata.
credential issued
03
FLOW 3
Verify credential
Institution submits the PASSID token and receives signed claim summaries, lifecycle checks, and audit metadata.
claims verified
04
BOUNDARY
Institution decides
PASSID verifies claims. The institution applies its own policy, review, and decision workflow.
institution decides
⚠
What PASSID is not: not a credit bureau, not a bank, not a institution decision workflow, and not a raw transaction store for verifier access. PASSID verifies signed claims; institutions decide.
Verified signal categories

Credential claim categories for the three core flows.

$
Income Stability
Multi-source income verification. Avg surplus. Volatility index. Cross-currency normalisation.
BANK
Remittance Track Record
24-month payment streak. Corridor consistency. On-time remittance ratio.
HOME
Rent & Utility Payment
Housing payment history. Utility streak. Behavioural consistency signals.
TIME
Platform Tenure
Months on platform. Employment continuity. Multi-platform income diversification.
DATA
Debt Service Coverage
DSCR computed from live cashflow. Stress-tested against corridor-specific scenarios.
AML
Identity & AML
Sanctions / PEP check. Adverse media scan. Synthetic identity detection. Velocity signals.

Test the three flows.

Use sandbox tokens to exercise connect account, issue credential, and verify credential before production review.

Get API access › Read the docs
PASSID
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