Institution-Ready Trust Layer

Verify with PassID.
Only after they say yes.

A portable financial trust layer. Enter a PassID code to unlock verified identity & financial history — user-controlled, permission-based, and ready for banks, lenders, employers, schools and landlords.

Open the Verifier Dashboard Request access
Enter PassID Code
PASSID-7F4Q-K29M
The user generates this code from their PassID wallet after verifying their identity and connecting their financial data. You see results only after they consent.
How it works

One code. Permission-based trust.

PassID turns a user's verified credibility into a secure key they control — so you make faster, more reliable decisions without ever touching raw bank data.

01
STEP 1
User generates a code
After identity verification and a secure financial connection, the user creates a PassID code in their wallet and chooses exactly what to share.
wallet-issued
02
STEP 2
You enter the code
In your Verifier Dashboard, enter the PassID code. We check it's valid, unexpired, and intended for your institution.
verifier checks
03
STEP 3
User approves
The user reviews exactly what you're requesting and approves on their own device. Nothing moves until they say yes.
consent required
04
BOUNDARY
Institution decides
You see a verified summary — identity, income, financial behavior — as claims only, never raw data. You keep the final decision.
institution decides
Try the verify flow

Submit a PASSID token. Inspect signed claims.

Use a sandbox token to see the institution-facing response shape. Demo data is synthetic and for integration testing only.

Test the verify flow View API docs
No raw financial statements in the verifier response
Institution decision is not provided by PASSID

PASSID does not approve, deny, price, lend, or underwrite. Institutions own all final decisions.

POST /api/v1/bridge/verify
X-Institution-Key: <institution_key>

{ "token": "psid_demo_student_001" }

{
"token_status": "active",
"credential_subject": "user_demo_001",
"claims": {
"identity_verified": true,
"income_verified": true,
"savings_consistency": "stable",
"payment_reliability": "strong",
"sanctions_clear": true,
"fraud_risk": "not_assessed"
},
"freshness": { "generated_at": "2026-04-30T10:00:00Z", "valid_until": "2026-05-02T10:00:00Z" },
"revocation": { "revoked": false },
"institution_decision": "not_provided_by_passid"
}
Built on trust

User-controlled by design

🔒
User-Controlled Verification
Access is unlocked by the user with a code they generate — never without them. They can revoke it anytime.
✅
Permission-Based Access
You see verified results only after explicit consent. Nothing is shared before the user approves.
🌍
Portable Financial Trust
One verified credential users carry across banks, borders, employers, schools and fintech platforms.
Who verifies with PassID

An infrastructure-grade trust layer

Built to be as simple as connecting an account and serious enough for regulated institutions.

🏦 Banks💸 Lenders🧑‍💼 Employers 🎓 Schools🏠 Landlords⚡ Fintechs 🌍 Cross-border🤝 Verification partners
Add it to your website

Embed in minutes — like Stripe

Your secret key stays on your server. A drop-in button opens the hosted, user-consented flow; a signed webhook confirms the result.

1 · Your server

Create a request

POST https://passid.io/v1/verification-requests
X-Institution-Key: sk_live_…

{ "permissions": ["identity_verified","income_verified"] }

→ { "requestId":"…", "consent_url":"https://passid.io/respond?r=…" }
2 · Your website

Drop in the button

<script src="https://passid.io/passid.js"></script>

<button data-passid-verify
        data-url="CONSENT_URL">
  Verify with PassID
</button>
3 · Your server

Confirm via webhook

POST https://your-app.com/webhooks/passid
X-PassID-Signature: hmac…

{ "type":"verification.completed",
  "requestId":"…", "claims": { … } }

The signed webhook is the source of truth — always confirm results server-side. Full reference in the Integration Guide and API docs.

Verifier flow
Token in. Signed claims out.
The institution receives a PASSID token, verifies signed claims, checks freshness and revocation, and keeps an audit trail. The verifier response is scoped to claim summaries and metadata, not raw financial data.

Verifier response walkthrough

Instead 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.

01/tokenAwaiting PASSID token
02/signatureIssuer signature not checked
03/lifecycleFreshness and revocation idle
04/outputNo verification response yet
PASSID token
Signed claims
Freshness check
Revocation check
Audit ID
Issuer signature
passid verifier
Standby
No token verified yet

Verify with PassID.

Give people a faster, permission-based way to prove verified credibility — and make better decisions, sooner.

Open the Verifier Dashboard › Talk to us

PassID provides verification summaries for review support only. PassID does not provide credit scores, credit reports, lending decisions, banking services, employment decisions, housing decisions, insurance decisions, or legal eligibility decisions. Final decisions remain with the verifying institution.