SCROLL
UK→US  ·  IN→US  ·  KE→US  ·  Portable credential protocol ● Groth16 + Ed25519 ● Verifier API ● UK→US  ·  IN→US  ·  KE→US  ·  Portable credential protocol ● Groth16 + Ed25519 ● Verifier API ●
Product overview
Running pilots now

Three services.
One protocol.

PASSID is not a lend score. It is credential infrastructure for portable financial trust. Users hold verifiable claims. Institutions verify. They decide.

Core services
passid-core
Claim Engine

Connects to open banking APIs across 10 corridors. Ingests 6 signal categories. Computes freshness-bounded credential claims and provenance metadata. No raw data shared with institutions.

✓  TrueLayer · Plaid · Mono integration
✓  12-month cashflow normalisation
✓  6 verified signal categories
✓  48h freshness TTL by default
passid-issuer
Credential Issuer

Compiles verified signals into a signed W3C Verifiable Credential. ZKP-enabled. User-held in wallet app. Portable across any PASSID-verifier institution.

✓  W3C VC / DID standard
✓  Ed25519 signing
✓  Groth16 ZKP proof generation
✓  On-device key storage
passid-verifier
Verifier API

One API call to verify a PASSID credential. Returns structured signal claims, freshness, proof status, and sanctions clear. Integrates with any decision engine.

✓  134ms avg response
✓  REST + webhook delivery
✓  Sanctions / PEP / AML checks
✓  Institutional SLA uptime
Verification flow

The user is always in control.

PASSID never acts as an intermediary in lending decisions. We issue and verify credentials. The institution routes those claims into their own engine.

📱
STEP 1
Verification Request
Institution sends a credential request to the user's PASSID wallet.
→ User notified
🔐
STEP 2
User Consent
User reviews what claims are being requested and approves or denies.
→ User approves
🧮
STEP 3
Proof Presentation
Wallet generates a ZKP over approved claims. No raw data leaves the device.
→ groth16 proof
✅
STEP 4
Institution Verifies
One API call. Verified claims returned. Institution routes into their own decision engine.
→ 134ms
⚠
PASSID does not decide. It verifies. Every lending decision is made by the institution using their own models, policies, and risk appetite. The liability stays with the lender.
Verified signal categories

Six pillars. All open banking verified.

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

See it in action.

Get sandbox credentials and test the full verification flow in under an hour. Pilot program now open for qualified institutions.

Request pilot access › Read the docs